Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$32,157Cash toward the purchase price.
Closing costs + prepaids$13,507Not just lender fees.
Before credits & paid funds$45,664The complete starting cash picture.
Estimated remaining funds due at closing
$45,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,157.42
Your down payment$32,157.42
Closing costs + prepaids$13,506.50
Total buyer cash needed$45,663.92
Remaining funds due$45,663.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,689.00
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)$682.75
Initial HOA (3 months)$56.25
Prepaid interest, first (6 days)$603.50
Fees + prepaids$13,506.50
Your down payment is the seller’s equity. You take over the $536,743 balance, so the rest of the $568,900 price is paid at closing. A second mortgage can cover part of it. $45,663.92 is due at closing. Uses and sources reconcile at $582,406.50 each. Not a Closing Disclosure.