Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$52,149Cash toward the purchase price.
Closing costs + prepaids$14,274Not just lender fees.
Before credits & paid funds$66,424The complete starting cash picture.
Estimated remaining funds due at closing
$66,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,149.49
Your down payment$52,149.49
Closing costs + prepaids$14,274.25
Total buyer cash needed$66,423.74
Remaining funds due$66,423.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$690.00
Initial HOA (3 months)$480.00
Prepaid interest, first (9 days)$879.25
Fees + prepaids$14,274.25
Your down payment is the seller’s equity. You take over the $522,851 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $66,423.74 is due at closing. Uses and sources reconcile at $589,274.25 each. Not a Closing Disclosure.