Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$48,547Cash toward the purchase price.
Closing costs + prepaids$17,142Not just lender fees.
Before credits & paid funds$65,689The complete starting cash picture.
Estimated remaining funds due at closing
$65,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,547.00
Your down payment$48,547.00
Closing costs + prepaids$17,142.48
Total buyer cash needed$65,689.48
Remaining funds due$65,689.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,749.00
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)$1,533.00
Initial HOA (3 months)$525.00
Prepaid interest, first (29 days)$2,860.48
Fees + prepaids$17,142.48
Your down payment is the seller’s equity. You take over the $526,353 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $65,689.48 is due at closing. Uses and sources reconcile at $592,042.48 each. Not a Closing Disclosure.