Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$61,614Cash toward the purchase price.
Closing costs + prepaids$13,944Not just lender fees.
Before credits & paid funds$75,558The complete starting cash picture.
Estimated remaining funds due at closing
$75,558No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,613.81
Your down payment$61,613.81
Closing costs + prepaids$13,943.69
Total buyer cash needed$75,557.51
Remaining funds due$75,557.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.90
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)$270.00
Prepaid interest, first (9 days)$814.79
Fees + prepaids$13,943.69
Your down payment is the seller’s equity. You take over the $508,376 balance, so the rest of the $569,990 price is paid at closing. A second mortgage can cover part of it. $75,557.51 is due at closing. Uses and sources reconcile at $583,933.69 each. Not a Closing Disclosure.