Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$50,876Cash toward the purchase price.
Closing costs + prepaids$13,313Not just lender fees.
Before credits & paid funds$64,188The complete starting cash picture.
Estimated remaining funds due at closing
$64,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,875.67
Your down payment$50,875.67
Closing costs + prepaids$13,312.82
Total buyer cash needed$64,188.49
Remaining funds due$64,188.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,700.00
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)$680.25
Initial HOA (3 months)$360.00
Prepaid interest, first (1 days)$97.57
Fees + prepaids$13,312.82
Your down payment is the seller’s equity. You take over the $519,124 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $64,188.49 is due at closing. Uses and sources reconcile at $583,312.82 each. Not a Closing Disclosure.