Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$61,614Cash toward the purchase price.
Closing costs + prepaids$14,668Not just lender fees.
Before credits & paid funds$76,282The complete starting cash picture.
Estimated remaining funds due at closing
$76,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,613.81
Your down payment$61,613.81
Closing costs + prepaids$14,667.96
Total buyer cash needed$76,281.77
Remaining funds due$76,281.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.90
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)$684.00
Initial HOA (3 months)$270.00
Prepaid interest, first (17 days)$1,539.06
Fees + prepaids$14,667.96
Your down payment is the seller’s equity. You take over the $508,376 balance, so the rest of the $569,990 price is paid at closing. A second mortgage can cover part of it. $76,281.77 is due at closing. Uses and sources reconcile at $584,657.96 each. Not a Closing Disclosure.