Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$64,343Cash toward the purchase price.
Closing costs + prepaids$12,943Not just lender fees.
Before credits & paid funds$77,286The complete starting cash picture.
Estimated remaining funds due at closing
$77,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,343.33
Your down payment$64,343.33
Closing costs + prepaids$12,943.17
Total buyer cash needed$77,286.50
Remaining funds due$77,286.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,490.00
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)$522.25
Initial HOA (3 months)$372.00
Prepaid interest, first (1 days)$83.92
Fees + prepaids$12,943.17
Your down payment is the seller’s equity. You take over the $484,657 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $77,286.50 is due at closing. Uses and sources reconcile at $561,943.17 each. Not a Closing Disclosure.