Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$56,909Cash toward the purchase price.
Closing costs + prepaids$12,682Not just lender fees.
Before credits & paid funds$69,591The complete starting cash picture.
Estimated remaining funds due at closing
$69,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,909.48
Your down payment$56,909.48
Closing costs + prepaids$12,681.98
Total buyer cash needed$69,591.46
Remaining funds due$69,591.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,159.99
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)$556.00
Initial HOA (3 months)$411.00
Prepaid interest, first (1 days)$79.99
Fees + prepaids$12,681.98
Your down payment is the seller’s equity. You take over the $459,090 balance, so the rest of the $515,999 price is paid at closing. A second mortgage can cover part of it. $69,591.46 is due at closing. Uses and sources reconcile at $528,680.98 each. Not a Closing Disclosure.