Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$53,649Cash toward the purchase price.
Closing costs + prepaids$16,527Not just lender fees.
Before credits & paid funds$70,177The complete starting cash picture.
Estimated remaining funds due at closing
$70,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,649.29
Your down payment$53,649.29
Closing costs + prepaids$16,527.28
Total buyer cash needed$70,176.57
Remaining funds due$70,176.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$1,487.50
Initial HOA (3 months)$738.00
Prepaid interest, first (18 days)$1,876.78
Fees + prepaids$16,527.28
Your down payment is the seller’s equity. You take over the $541,351 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $70,176.57 is due at closing. Uses and sources reconcile at $611,527.28 each. Not a Closing Disclosure.