Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$43,908Cash toward the purchase price.
Closing costs + prepaids$13,841Not just lender fees.
Before credits & paid funds$57,749The complete starting cash picture.
Estimated remaining funds due at closing
$57,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,907.69
Your down payment$43,907.69
Closing costs + prepaids$13,841.02
Total buyer cash needed$57,748.71
Remaining funds due$57,748.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,610.00
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)$640.00
Initial HOA (3 months)$96.00
Prepaid interest, first (25 days)$1,020.02
Fees + prepaids$13,841.02
Your down payment is the seller’s equity. You take over the $517,092 balance, so the rest of the $561,000 price is paid at closing. A second mortgage can cover part of it. $57,748.71 is due at closing. Uses and sources reconcile at $574,841.02 each. Not a Closing Disclosure.