Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$29,106Cash toward the purchase price.
Closing costs + prepaids$15,869Not just lender fees.
Before credits & paid funds$44,975The complete starting cash picture.
Estimated remaining funds due at closing
$44,975No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,106.09
Your down payment$29,106.09
Closing costs + prepaids$15,868.96
Total buyer cash needed$44,975.05
Remaining funds due$44,975.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,980.00
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)$1,495.00
Prepaid interest, first (18 days)$1,918.96
Fees + prepaids$15,868.96
Your down payment is the seller’s equity. You take over the $568,894 balance, so the rest of the $598,000 price is paid at closing. A second mortgage can cover part of it. $44,975.05 is due at closing. Uses and sources reconcile at $613,868.96 each. Not a Closing Disclosure.