Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$59,942Cash toward the purchase price.
Closing costs + prepaids$14,916Not just lender fees.
Before credits & paid funds$74,857The complete starting cash picture.
Estimated remaining funds due at closing
$74,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,941.72
Your down payment$59,941.72
Closing costs + prepaids$14,915.74
Total buyer cash needed$74,857.46
Remaining funds due$74,857.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$1,382.00
Initial HOA (3 months)$44.76
Prepaid interest, first (18 days)$1,514.98
Fees + prepaids$14,915.74
Your down payment is the seller’s equity. You take over the $489,958 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $74,857.46 is due at closing. Uses and sources reconcile at $564,815.74 each. Not a Closing Disclosure.