Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$37,494Cash toward the purchase price.
Closing costs + prepaids$13,441Not just lender fees.
Before credits & paid funds$50,935The complete starting cash picture.
Estimated remaining funds due at closing
$50,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,493.75
Your down payment$37,493.75
Closing costs + prepaids$13,441.36
Total buyer cash needed$50,935.10
Remaining funds due$50,935.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$660.00
Prepaid interest, first (9 days)$807.36
Fees + prepaids$13,441.36
Your down payment is the seller’s equity. You take over the $512,406 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $50,935.10 is due at closing. Uses and sources reconcile at $563,341.36 each. Not a Closing Disclosure.