Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$33,058Cash toward the purchase price.
Closing costs + prepaids$17,317Not just lender fees.
Before credits & paid funds$50,374The complete starting cash picture.
Estimated remaining funds due at closing
$50,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,057.67
Your down payment$33,057.67
Closing costs + prepaids$17,316.53
Total buyer cash needed$50,374.20
Remaining funds due$50,374.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,690.00
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)$1,422.50
Initial HOA (3 months)$1,449.00
Prepaid interest, first (24 days)$2,280.03
Fees + prepaids$17,316.53
Your down payment is the seller’s equity. You take over the $535,942 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $50,374.20 is due at closing. Uses and sources reconcile at $586,316.53 each. Not a Closing Disclosure.