Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$47,035Cash toward the purchase price.
Closing costs + prepaids$14,527Not just lender fees.
Before credits & paid funds$61,563The complete starting cash picture.
Estimated remaining funds due at closing
$61,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,035.46
Your down payment$47,035.46
Closing costs + prepaids$14,527.25
Total buyer cash needed$61,562.71
Remaining funds due$61,562.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.00
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)$516.00
Initial HOA (3 months)$30.00
Prepaid interest, first (19 days)$1,807.25
Fees + prepaids$14,527.25
Your down payment is the seller’s equity. You take over the $522,865 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $61,562.71 is due at closing. Uses and sources reconcile at $584,427.25 each. Not a Closing Disclosure.