Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$65,218Cash toward the purchase price.
Closing costs + prepaids$15,352Not just lender fees.
Before credits & paid funds$80,570The complete starting cash picture.
Estimated remaining funds due at closing
$80,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,217.68
Your down payment$65,217.68
Closing costs + prepaids$15,352.29
Total buyer cash needed$80,569.97
Remaining funds due$80,569.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,690.00
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)$823.00
Initial HOA (3 months)$125.01
Prepaid interest, first (26 days)$2,239.28
Fees + prepaids$15,352.29
Your down payment is the seller’s equity. You take over the $503,782 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $80,569.97 is due at closing. Uses and sources reconcile at $584,352.29 each. Not a Closing Disclosure.