Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$57,391Cash toward the purchase price.
Closing costs + prepaids$15,728Not just lender fees.
Before credits & paid funds$73,119The complete starting cash picture.
Estimated remaining funds due at closing
$73,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,391.21
Your down payment$57,391.21
Closing costs + prepaids$15,727.54
Total buyer cash needed$73,118.75
Remaining funds due$73,118.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,800.00
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)$374.00
Initial HOA (3 months)$309.00
Prepaid interest, first (29 days)$2,769.54
Fees + prepaids$15,727.54
Your down payment is the seller’s equity. You take over the $522,609 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $73,118.75 is due at closing. Uses and sources reconcile at $595,727.54 each. Not a Closing Disclosure.