Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$50,550Cash toward the purchase price.
Closing costs + prepaids$13,240Not just lender fees.
Before credits & paid funds$63,791The complete starting cash picture.
Estimated remaining funds due at closing
$63,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,550.42
Your down payment$50,550.42
Closing costs + prepaids$13,240.12
Total buyer cash needed$63,790.53
Remaining funds due$63,790.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$479.25
Initial HOA (3 months)$435.00
Prepaid interest, first (1 days)$100.87
Fees + prepaids$13,240.12
Your down payment is the seller’s equity. You take over the $524,450 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $63,790.53 is due at closing. Uses and sources reconcile at $588,240.12 each. Not a Closing Disclosure.