Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$43,380Cash toward the purchase price.
Closing costs + prepaids$13,679Not just lender fees.
Before credits & paid funds$57,059The complete starting cash picture.
Estimated remaining funds due at closing
$57,059No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,380.40
Your down payment$43,380.40
Closing costs + prepaids$13,678.70
Total buyer cash needed$57,059.10
Remaining funds due$57,059.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$643.75
Prepaid interest, first (16 days)$1,409.95
Fees + prepaids$13,678.70
Your down payment is the seller’s equity. You take over the $471,620 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $57,059.10 is due at closing. Uses and sources reconcile at $528,678.70 each. Not a Closing Disclosure.