Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$52,709Cash toward the purchase price.
Closing costs + prepaids$13,084Not just lender fees.
Before credits & paid funds$65,793The complete starting cash picture.
Estimated remaining funds due at closing
$65,793No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,708.50
Your down payment$52,708.50
Closing costs + prepaids$13,084.30
Total buyer cash needed$65,792.80
Remaining funds due$65,792.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,990.00
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)$54.25
Initial HOA (3 months)$360.00
Prepaid interest, first (2 days)$205.05
Fees + prepaids$13,084.30
Your down payment is the seller’s equity. You take over the $546,291 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $65,792.80 is due at closing. Uses and sources reconcile at $612,084.30 each. Not a Closing Disclosure.