Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$46,018Cash toward the purchase price.
Closing costs + prepaids$13,134Not just lender fees.
Before credits & paid funds$59,152The complete starting cash picture.
Estimated remaining funds due at closing
$59,152No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,017.84
Your down payment$46,017.84
Closing costs + prepaids$13,133.81
Total buyer cash needed$59,151.65
Remaining funds due$59,151.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.00
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)$559.25
Initial HOA (3 months)$312.00
Prepaid interest, first (1 days)$88.56
Fees + prepaids$13,133.81
Your down payment is the seller’s equity. You take over the $523,882 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $59,151.65 is due at closing. Uses and sources reconcile at $583,033.81 each. Not a Closing Disclosure.