Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$42,331Cash toward the purchase price.
Closing costs + prepaids$15,753Not just lender fees.
Before credits & paid funds$58,084The complete starting cash picture.
Estimated remaining funds due at closing
$58,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,331.45
Your down payment$42,331.45
Closing costs + prepaids$15,752.88
Total buyer cash needed$58,084.34
Remaining funds due$58,084.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,650.00
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)$348.25
Initial HOA (3 months)$483.00
Prepaid interest, first (31 days)$2,796.63
Fees + prepaids$15,752.88
Your down payment is the seller’s equity. You take over the $522,669 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $58,084.34 is due at closing. Uses and sources reconcile at $580,752.88 each. Not a Closing Disclosure.