Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$46,929Cash toward the purchase price.
Closing costs + prepaids$17,566Not just lender fees.
Before credits & paid funds$64,495The complete starting cash picture.
Estimated remaining funds due at closing
$64,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,928.79
Your down payment$46,928.79
Closing costs + prepaids$17,566.04
Total buyer cash needed$64,494.83
Remaining funds due$64,494.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,490.00
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)$3,160.25
Initial HOA (3 months)$62.49
Prepaid interest, first (26 days)$2,378.30
Fees + prepaids$17,566.04
Your down payment is the seller’s equity. You take over the $502,071 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $64,494.83 is due at closing. Uses and sources reconcile at $566,566.04 each. Not a Closing Disclosure.