Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$58,301Cash toward the purchase price.
Closing costs + prepaids$12,421Not just lender fees.
Before credits & paid funds$70,722The complete starting cash picture.
Estimated remaining funds due at closing
$70,722No 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$12,420.89
Total buyer cash needed$70,722.27
Remaining funds due$70,722.27
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 (1 days)$88.39
Fees + prepaids$12,420.89
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. $70,722.27 is due at closing. Uses and sources reconcile at $557,320.89 each. Not a Closing Disclosure.