Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$58,016Cash toward the purchase price.
Closing costs + prepaids$15,703Not just lender fees.
Before credits & paid funds$73,720The complete starting cash picture.
Estimated remaining funds due at closing
$73,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,016.31
Your down payment$58,016.31
Closing costs + prepaids$15,703.24
Total buyer cash needed$73,719.54
Remaining funds due$73,719.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$914.50
Initial HOA (3 months)$225.00
Prepaid interest, first (26 days)$2,488.74
Fees + prepaids$15,703.24
Your down payment is the seller’s equity. You take over the $501,984 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $73,719.54 is due at closing. Uses and sources reconcile at $575,703.24 each. Not a Closing Disclosure.