Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$46,317Cash toward the purchase price.
Closing costs + prepaids$12,668Not just lender fees.
Before credits & paid funds$58,985The complete starting cash picture.
Estimated remaining funds due at closing
$58,985No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,316.67
Your down payment$46,316.67
Closing costs + prepaids$12,668.05
Total buyer cash needed$58,984.73
Remaining funds due$58,984.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$432.50
Initial HOA (3 months)$164.01
Prepaid interest, first (1 days)$97.54
Fees + prepaids$12,668.05
Your down payment is the seller’s equity. You take over the $503,583 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $58,984.73 is due at closing. Uses and sources reconcile at $562,568.05 each. Not a Closing Disclosure.