Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$58,301Cash toward the purchase price.
Closing costs + prepaids$12,509Not just lender fees.
Before credits & paid funds$70,811The complete starting cash picture.
Estimated remaining funds due at closing
$70,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,301.38
Your down payment$58,301.38
Closing costs + prepaids$12,509.28
Total buyer cash needed$70,810.65
Remaining funds due$70,810.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,449.00
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)$408.50
Prepaid interest, first (2 days)$176.78
Fees + prepaids$12,509.28
Your down payment is the seller’s equity. You take over the $486,599 balance, so the rest of the $544,900 price is paid at closing. A second mortgage can cover part of it. $70,810.65 is due at closing. Uses and sources reconcile at $557,409.28 each. Not a Closing Disclosure.