Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$61,476Cash toward the purchase price.
Closing costs + prepaids$16,399Not just lender fees.
Before credits & paid funds$77,875The complete starting cash picture.
Estimated remaining funds due at closing
$77,875No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,476.44
Your down payment$61,476.44
Closing costs + prepaids$16,398.99
Total buyer cash needed$77,875.44
Remaining funds due$77,875.44
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)$1,666.75
Initial HOA (3 months)$62.49
Prepaid interest, first (30 days)$2,704.75
Fees + prepaids$16,398.99
Your down payment is the seller’s equity. You take over the $487,524 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $77,875.44 is due at closing. Uses and sources reconcile at $565,398.99 each. Not a Closing Disclosure.