Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$49,914Cash toward the purchase price.
Closing costs + prepaids$15,564Not just lender fees.
Before credits & paid funds$65,477The complete starting cash picture.
Estimated remaining funds due at closing
$65,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,913.55
Your down payment$49,913.55
Closing costs + prepaids$15,563.52
Total buyer cash needed$65,477.06
Remaining funds due$65,477.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,320.00
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)$1,222.25
Initial HOA (3 months)$399.99
Prepaid interest, first (25 days)$2,146.28
Fees + prepaids$15,563.52
Your down payment is the seller’s equity. You take over the $482,086 balance, so the rest of the $532,000 price is paid at closing. A second mortgage can cover part of it. $65,477.06 is due at closing. Uses and sources reconcile at $547,563.52 each. Not a Closing Disclosure.