Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$47,523Cash toward the purchase price.
Closing costs + prepaids$13,384Not just lender fees.
Before credits & paid funds$60,908The complete starting cash picture.
Estimated remaining funds due at closing
$60,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,523.30
Your down payment$47,523.30
Closing costs + prepaids$13,384.39
Total buyer cash needed$60,907.69
Remaining funds due$60,907.69
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)$606.50
Initial HOA (3 months)$507.00
Prepaid interest, first (1 days)$96.89
Fees + prepaids$13,384.39
Your down payment is the seller’s equity. You take over the $522,377 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $60,907.69 is due at closing. Uses and sources reconcile at $583,284.39 each. Not a Closing Disclosure.