Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$58,285Cash toward the purchase price.
Closing costs + prepaids$13,970Not just lender fees.
Before credits & paid funds$72,255The complete starting cash picture.
Estimated remaining funds due at closing
$72,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,285.14
Your down payment$58,285.14
Closing costs + prepaids$13,970.22
Total buyer cash needed$72,255.36
Remaining funds due$72,255.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,490.00
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)$1,372.50
Initial HOA (3 months)$537.00
Prepaid interest, first (1 days)$95.72
Fees + prepaids$13,970.22
Your down payment is the seller’s equity. You take over the $490,715 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $72,255.36 is due at closing. Uses and sources reconcile at $562,970.22 each. Not a Closing Disclosure.