Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$50,989Cash toward the purchase price.
Closing costs + prepaids$14,092Not just lender fees.
Before credits & paid funds$65,081The complete starting cash picture.
Estimated remaining funds due at closing
$65,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,989.13
Your down payment$50,989.13
Closing costs + prepaids$14,092.12
Total buyer cash needed$65,081.24
Remaining funds due$65,081.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.99
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)$696.00
Initial HOA (3 months)$255.00
Prepaid interest, first (12 days)$866.13
Fees + prepaids$14,092.12
Your down payment is the seller’s equity. You take over the $529,010 balance, so the rest of the $579,999 price is paid at closing. A second mortgage can cover part of it. $65,081.24 is due at closing. Uses and sources reconcile at $594,091.12 each. Not a Closing Disclosure.