Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$42,023Cash toward the purchase price.
Closing costs + prepaids$14,242Not just lender fees.
Before credits & paid funds$56,266The complete starting cash picture.
Estimated remaining funds due at closing
$56,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,023.32
Your down payment$42,023.32
Closing costs + prepaids$14,242.20
Total buyer cash needed$56,265.52
Remaining funds due$56,265.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$485.00
Prepaid interest, first (23 days)$1,932.20
Fees + prepaids$14,242.20
Your down payment is the seller’s equity. You take over the $492,977 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $56,265.52 is due at closing. Uses and sources reconcile at $549,242.20 each. Not a Closing Disclosure.