Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$17,507Cash toward the purchase price.
Closing costs + prepaids$12,520Not just lender fees.
Before credits & paid funds$30,026The complete starting cash picture.
Estimated remaining funds due at closing
$30,026No 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$12,519.62
Total buyer cash needed$30,026.33
Remaining funds due$30,026.33
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 (1 days)$99.62
Fees + prepaids$12,519.62
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. $30,026.33 is due at closing. Uses and sources reconcile at $562,419.62 each. Not a Closing Disclosure.