Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$36,850Cash toward the purchase price.
Closing costs + prepaids$12,804Not just lender fees.
Before credits & paid funds$49,654The complete starting cash picture.
Estimated remaining funds due at closing
$49,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,850.05
Your down payment$36,850.05
Closing costs + prepaids$12,804.38
Total buyer cash needed$49,654.43
Remaining funds due$49,654.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,650.00
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)$83.75
Initial HOA (3 months)$501.00
Prepaid interest, first (1 days)$94.63
Fees + prepaids$12,804.38
Your down payment is the seller’s equity. You take over the $528,150 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $49,654.43 is due at closing. Uses and sources reconcile at $577,804.38 each. Not a Closing Disclosure.