Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$30,735Cash toward the purchase price.
Closing costs + prepaids$15,665Not just lender fees.
Before credits & paid funds$46,400The complete starting cash picture.
Estimated remaining funds due at closing
$46,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,735.48
Your down payment$30,735.48
Closing costs + prepaids$15,665.01
Total buyer cash needed$46,400.49
Remaining funds due$46,400.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,700.00
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)$821.25
Initial HOA (3 months)$20.01
Prepaid interest, first (27 days)$2,648.75
Fees + prepaids$15,665.01
Your down payment is the seller’s equity. You take over the $539,265 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $46,400.49 is due at closing. Uses and sources reconcile at $585,665.01 each. Not a Closing Disclosure.