Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$50,859Cash toward the purchase price.
Closing costs + prepaids$14,875Not just lender fees.
Before credits & paid funds$65,734The complete starting cash picture.
Estimated remaining funds due at closing
$65,734No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,858.98
Your down payment$50,858.98
Closing costs + prepaids$14,874.66
Total buyer cash needed$65,733.64
Remaining funds due$65,733.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.90
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)$37.50
Initial HOA (3 months)$249.99
Prepaid interest, first (26 days)$2,112.27
Fees + prepaids$14,874.66
Your down payment is the seller’s equity. You take over the $549,131 balance, so the rest of the $599,990 price is paid at closing. A second mortgage can cover part of it. $65,733.64 is due at closing. Uses and sources reconcile at $614,864.66 each. Not a Closing Disclosure.