Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$54,090Cash toward the purchase price.
Closing costs + prepaids$16,103Not just lender fees.
Before credits & paid funds$70,193The complete starting cash picture.
Estimated remaining funds due at closing
$70,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,089.90
Your down payment$54,089.90
Closing costs + prepaids$16,103.31
Total buyer cash needed$70,193.21
Remaining funds due$70,193.21
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)$1,374.75
Initial HOA (3 months)$360.00
Prepaid interest, first (26 days)$2,394.56
Fees + prepaids$16,103.31
Your down payment is the seller’s equity. You take over the $495,810 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $70,193.21 is due at closing. Uses and sources reconcile at $566,003.31 each. Not a Closing Disclosure.