Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$53,170Cash toward the purchase price.
Closing costs + prepaids$14,418Not just lender fees.
Before credits & paid funds$67,588The complete starting cash picture.
Estimated remaining funds due at closing
$67,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,170.30
Your down payment$53,170.30
Closing costs + prepaids$14,418.10
Total buyer cash needed$67,588.40
Remaining funds due$67,588.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$1,299.75
Initial HOA (3 months)$165.00
Prepaid interest, first (29 days)$1,279.35
Fees + prepaids$14,418.10
Your down payment is the seller’s equity. You take over the $466,730 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $67,588.40 is due at closing. Uses and sources reconcile at $534,318.10 each. Not a Closing Disclosure.