Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$40,313Cash toward the purchase price.
Closing costs + prepaids$16,818Not just lender fees.
Before credits & paid funds$57,131The complete starting cash picture.
Estimated remaining funds due at closing
$57,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,313.22
Your down payment$40,313.22
Closing costs + prepaids$16,817.53
Total buyer cash needed$57,130.75
Remaining funds due$57,130.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.99
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)$1,450.00
Initial HOA (3 months)$1,320.00
Prepaid interest, first (18 days)$1,772.54
Fees + prepaids$16,817.53
Your down payment is the seller’s equity. You take over the $539,686 balance, so the rest of the $579,999 price is paid at closing. A second mortgage can cover part of it. $57,130.75 is due at closing. Uses and sources reconcile at $596,816.53 each. Not a Closing Disclosure.