Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$51,772Cash toward the purchase price.
Closing costs + prepaids$17,856Not just lender fees.
Before credits & paid funds$69,628The complete starting cash picture.
Estimated remaining funds due at closing
$69,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,772.49
Your down payment$51,772.49
Closing costs + prepaids$17,855.99
Total buyer cash needed$69,628.48
Remaining funds due$69,628.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.90
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)$1,545.00
Initial HOA (3 months)$2,019.99
Prepaid interest, first (24 days)$2,316.10
Fees + prepaids$17,855.99
Your down payment is the seller’s equity. You take over the $498,218 balance, so the rest of the $549,990 price is paid at closing. A second mortgage can cover part of it. $69,628.48 is due at closing. Uses and sources reconcile at $567,845.99 each. Not a Closing Disclosure.