Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$43,575Cash toward the purchase price.
Closing costs + prepaids$15,191Not just lender fees.
Before credits & paid funds$58,766The complete starting cash picture.
Estimated remaining funds due at closing
$58,766No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,574.71
Your down payment$43,574.71
Closing costs + prepaids$15,190.88
Total buyer cash needed$58,765.59
Remaining funds due$58,765.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,790.00
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)$826.00
Initial HOA (3 months)$252.00
Prepaid interest, first (19 days)$1,847.88
Fees + prepaids$15,190.88
Your down payment is the seller’s equity. You take over the $535,425 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $58,765.59 is due at closing. Uses and sources reconcile at $594,190.88 each. Not a Closing Disclosure.