Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$17,507Cash toward the purchase price.
Closing costs + prepaids$12,619Not just lender fees.
Before credits & paid funds$30,126The complete starting cash picture.
Estimated remaining funds due at closing
$30,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,506.70
Your down payment$17,506.70
Closing costs + prepaids$12,619.25
Total buyer cash needed$30,125.95
Remaining funds due$30,125.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$446.00
Prepaid interest, first (2 days)$199.25
Fees + prepaids$12,619.25
Your down payment is the seller’s equity. You take over the $532,393 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $30,125.95 is due at closing. Uses and sources reconcile at $562,519.25 each. Not a Closing Disclosure.