Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$45,448Cash toward the purchase price.
Closing costs + prepaids$14,902Not just lender fees.
Before credits & paid funds$60,350The complete starting cash picture.
Estimated remaining funds due at closing
$60,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,448.36
Your down payment$45,448.36
Closing costs + prepaids$14,901.79
Total buyer cash needed$60,350.15
Remaining funds due$60,350.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,290.00
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)$620.00
Initial HOA (3 months)$342.00
Prepaid interest, first (24 days)$2,174.79
Fees + prepaids$14,901.79
Your down payment is the seller’s equity. You take over the $483,552 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $60,350.15 is due at closing. Uses and sources reconcile at $543,901.79 each. Not a Closing Disclosure.