Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$51,615Cash toward the purchase price.
Closing costs + prepaids$12,443Not just lender fees.
Before credits & paid funds$64,058The complete starting cash picture.
Estimated remaining funds due at closing
$64,058No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,614.68
Your down payment$51,614.68
Closing costs + prepaids$12,443.31
Total buyer cash needed$64,057.99
Remaining funds due$64,057.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$280.00
Prepaid interest, first (1 days)$88.31
Fees + prepaids$12,443.31
Your down payment is the seller’s equity. You take over the $508,385 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $64,057.99 is due at closing. Uses and sources reconcile at $572,443.31 each. Not a Closing Disclosure.