Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$61,614Cash toward the purchase price.
Closing costs + prepaids$15,166Not just lender fees.
Before credits & paid funds$76,780The complete starting cash picture.
Estimated remaining funds due at closing
$76,780No 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$15,166.37
Total buyer cash needed$76,780.19
Remaining funds due$76,780.19
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)$729.75
Initial HOA (3 months)$270.00
Prepaid interest, first (22 days)$1,991.72
Fees + prepaids$15,166.37
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. $76,780.19 is due at closing. Uses and sources reconcile at $585,156.37 each. Not a Closing Disclosure.