Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$30,735Cash toward the purchase price.
Closing costs + prepaids$14,056Not just lender fees.
Before credits & paid funds$44,792The complete starting cash picture.
Estimated remaining funds due at closing
$44,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,735.48
Your down payment$30,735.48
Closing costs + prepaids$14,056.23
Total buyer cash needed$44,791.71
Remaining funds due$44,791.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,700.00
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)$684.00
Initial HOA (3 months)$20.01
Prepaid interest, first (12 days)$1,177.22
Fees + prepaids$14,056.23
Your down payment is the seller’s equity. You take over the $539,265 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $44,791.71 is due at closing. Uses and sources reconcile at $584,056.23 each. Not a Closing Disclosure.