Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$50,353Cash toward the purchase price.
Closing costs + prepaids$17,296Not just lender fees.
Before credits & paid funds$67,650The complete starting cash picture.
Estimated remaining funds due at closing
$67,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,353.43
Your down payment$50,353.43
Closing costs + prepaids$17,296.36
Total buyer cash needed$67,649.79
Remaining funds due$67,649.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,998.88
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)$1,499.75
Initial HOA (3 months)$465.00
Prepaid interest, first (27 days)$2,857.73
Fees + prepaids$17,296.36
Your down payment is the seller’s equity. You take over the $549,535 balance, so the rest of the $599,888 price is paid at closing. A second mortgage can cover part of it. $67,649.79 is due at closing. Uses and sources reconcile at $617,184.36 each. Not a Closing Disclosure.