Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$28,682Cash toward the purchase price.
Closing costs + prepaids$14,094Not just lender fees.
Before credits & paid funds$42,775The complete starting cash picture.
Estimated remaining funds due at closing
$42,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,681.70
Your down payment$28,681.70
Closing costs + prepaids$14,093.59
Total buyer cash needed$42,775.29
Remaining funds due$42,775.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.50
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)$696.00
Initial HOA (3 months)$525.00
Prepaid interest, first (6 days)$598.09
Fees + prepaids$14,093.59
Your down payment is the seller’s equity. You take over the $551,268 balance, so the rest of the $579,950 price is paid at closing. A second mortgage can cover part of it. $42,775.29 is due at closing. Uses and sources reconcile at $594,043.59 each. Not a Closing Disclosure.