Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$48,504Cash toward the purchase price.
Closing costs + prepaids$13,636Not just lender fees.
Before credits & paid funds$62,139The complete starting cash picture.
Estimated remaining funds due at closing
$62,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,503.74
Your down payment$48,503.74
Closing costs + prepaids$13,635.54
Total buyer cash needed$62,139.28
Remaining funds due$62,139.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,349.00
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)$282.25
Initial HOA (3 months)$230.01
Prepaid interest, first (26 days)$1,299.28
Fees + prepaids$13,635.54
Your down payment is the seller’s equity. You take over the $486,396 balance, so the rest of the $534,900 price is paid at closing. A second mortgage can cover part of it. $62,139.28 is due at closing. Uses and sources reconcile at $548,535.54 each. Not a Closing Disclosure.