Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$47,035Cash toward the purchase price.
Closing costs + prepaids$13,744Not just lender fees.
Before credits & paid funds$60,780The complete starting cash picture.
Estimated remaining funds due at closing
$60,780No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,035.46
Your down payment$47,035.46
Closing costs + prepaids$13,744.07
Total buyer cash needed$60,779.53
Remaining funds due$60,779.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.00
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)$684.00
Initial HOA (3 months)$30.00
Prepaid interest, first (9 days)$856.07
Fees + prepaids$13,744.07
Your down payment is the seller’s equity. You take over the $522,865 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $60,779.53 is due at closing. Uses and sources reconcile at $583,644.07 each. Not a Closing Disclosure.