Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$37,494Cash toward the purchase price.
Closing costs + prepaids$14,811Not just lender fees.
Before credits & paid funds$52,305The complete starting cash picture.
Estimated remaining funds due at closing
$52,305No 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$14,810.82
Total buyer cash needed$52,304.57
Remaining funds due$52,304.57
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)$414.75
Prepaid interest, first (27 days)$2,422.07
Fees + prepaids$14,810.82
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. $52,304.57 is due at closing. Uses and sources reconcile at $564,710.82 each. Not a Closing Disclosure.