Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$44,491Cash toward the purchase price.
Closing costs + prepaids$15,032Not just lender fees.
Before credits & paid funds$59,523The complete starting cash picture.
Estimated remaining funds due at closing
$59,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,491.18
Your down payment$44,491.18
Closing costs + prepaids$15,031.80
Total buyer cash needed$59,522.98
Remaining funds due$59,522.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,099.00
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)$762.50
Prepaid interest, first (18 days)$1,695.30
Fees + prepaids$15,031.80
Your down payment is the seller’s equity. You take over the $565,409 balance, so the rest of the $609,900 price is paid at closing. A second mortgage can cover part of it. $59,522.98 is due at closing. Uses and sources reconcile at $624,931.80 each. Not a Closing Disclosure.