Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$53,453Cash toward the purchase price.
Closing costs + prepaids$15,623Not just lender fees.
Before credits & paid funds$69,076The complete starting cash picture.
Estimated remaining funds due at closing
$69,076No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,453.41
Your down payment$53,453.41
Closing costs + prepaids$15,622.94
Total buyer cash needed$69,076.35
Remaining funds due$69,076.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,240.00
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)$1,310.00
Initial HOA (3 months)$255.00
Prepaid interest, first (26 days)$2,342.94
Fees + prepaids$15,622.94
Your down payment is the seller’s equity. You take over the $470,547 balance, so the rest of the $524,000 price is paid at closing. A second mortgage can cover part of it. $69,076.35 is due at closing. Uses and sources reconcile at $539,622.94 each. Not a Closing Disclosure.