Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$17,754Cash toward the purchase price.
Closing costs + prepaids$12,594Not just lender fees.
Before credits & paid funds$30,348The complete starting cash picture.
Estimated remaining funds due at closing
$30,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,754.17
Your down payment$17,754.17
Closing costs + prepaids$12,594.31
Total buyer cash needed$30,348.48
Remaining funds due$30,348.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$68.75
Initial HOA (3 months)$354.00
Prepaid interest, first (1 days)$96.56
Fees + prepaids$12,594.31
Your down payment is the seller’s equity. You take over the $542,246 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $30,348.48 is due at closing. Uses and sources reconcile at $572,594.31 each. Not a Closing Disclosure.