Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$36,887Cash toward the purchase price.
Closing costs + prepaids$12,479Not just lender fees.
Before credits & paid funds$49,365The complete starting cash picture.
Estimated remaining funds due at closing
$49,365No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,886.71
Your down payment$36,886.71
Closing costs + prepaids$12,478.56
Total buyer cash needed$49,365.28
Remaining funds due$49,365.28
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)$414.75
Prepaid interest, first (1 days)$89.81
Fees + prepaids$12,478.56
Your down payment is the seller’s equity. You take over the $513,013 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $49,365.28 is due at closing. Uses and sources reconcile at $562,378.56 each. Not a Closing Disclosure.