Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$51,395Cash toward the purchase price.
Closing costs + prepaids$16,237Not just lender fees.
Before credits & paid funds$67,632The complete starting cash picture.
Estimated remaining funds due at closing
$67,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,395.20
Your down payment$51,395.20
Closing costs + prepaids$16,236.80
Total buyer cash needed$67,632.00
Remaining funds due$67,632.00
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)$680.25
Initial HOA (3 months)$360.00
Prepaid interest, first (31 days)$3,021.55
Fees + prepaids$16,236.80
Your down payment is the seller’s equity. You take over the $518,605 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $67,632.00 is due at closing. Uses and sources reconcile at $586,236.80 each. Not a Closing Disclosure.