Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$43,064Cash toward the purchase price.
Closing costs + prepaids$13,538Not just lender fees.
Before credits & paid funds$56,602The complete starting cash picture.
Estimated remaining funds due at closing
$56,602No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,064.48
Your down payment$43,064.48
Closing costs + prepaids$13,537.70
Total buyer cash needed$56,602.18
Remaining funds due$56,602.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,790.00
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)$826.00
Initial HOA (3 months)$252.00
Prepaid interest, first (2 days)$194.70
Fees + prepaids$13,537.70
Your down payment is the seller’s equity. You take over the $535,936 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $56,602.18 is due at closing. Uses and sources reconcile at $592,537.70 each. Not a Closing Disclosure.