Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$60,618Cash toward the purchase price.
Closing costs + prepaids$14,157Not just lender fees.
Before credits & paid funds$74,775The complete starting cash picture.
Estimated remaining funds due at closing
$74,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,618.00
Your down payment$60,618.00
Closing costs + prepaids$14,156.82
Total buyer cash needed$74,774.83
Remaining funds due$74,774.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,340.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$150.00
Prepaid interest, first (26 days)$2,191.82
Fees + prepaids$14,156.82
Your down payment is the seller’s equity. You take over the $473,382 balance, so the rest of the $534,000 price is paid at closing. A second mortgage can cover part of it. $74,774.83 is due at closing. Uses and sources reconcile at $548,156.82 each. Not a Closing Disclosure.