Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$51,157Cash toward the purchase price.
Closing costs + prepaids$13,734Not just lender fees.
Before credits & paid funds$64,891The complete starting cash picture.
Estimated remaining funds due at closing
$64,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,157.26
Your down payment$51,157.26
Closing costs + prepaids$13,734.06
Total buyer cash needed$64,891.32
Remaining funds due$64,891.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,760.00
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)$691.25
Initial HOA (3 months)$90.00
Prepaid interest, first (12 days)$717.81
Fees + prepaids$13,734.06
Your down payment is the seller’s equity. You take over the $524,843 balance, so the rest of the $576,000 price is paid at closing. A second mortgage can cover part of it. $64,891.32 is due at closing. Uses and sources reconcile at $589,734.06 each. Not a Closing Disclosure.