Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$15,652Cash toward the purchase price.
Closing costs + prepaids$13,769Not just lender fees.
Before credits & paid funds$29,421The complete starting cash picture.
Estimated remaining funds due at closing
$29,421No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,651.97
Your down payment$15,651.97
Closing costs + prepaids$13,768.58
Total buyer cash needed$29,420.56
Remaining funds due$29,420.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$672.00
Prepaid interest, first (10 days)$1,021.58
Fees + prepaids$13,768.58
Your down payment is the seller’s equity. You take over the $544,348 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $29,420.56 is due at closing. Uses and sources reconcile at $573,768.58 each. Not a Closing Disclosure.