Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$43,575Cash toward the purchase price.
Closing costs + prepaids$14,962Not just lender fees.
Before credits & paid funds$58,537The complete starting cash picture.
Estimated remaining funds due at closing
$58,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,574.71
Your down payment$43,574.71
Closing costs + prepaids$14,962.37
Total buyer cash needed$58,537.09
Remaining funds due$58,537.09
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)$694.75
Initial HOA (3 months)$252.00
Prepaid interest, first (18 days)$1,750.62
Fees + prepaids$14,962.37
Your down payment is the seller’s equity. You take over the $535,425 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $58,537.09 is due at closing. Uses and sources reconcile at $593,962.37 each. Not a Closing Disclosure.