Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$50,437Cash toward the purchase price.
Closing costs + prepaids$15,354Not just lender fees.
Before credits & paid funds$65,791The complete starting cash picture.
Estimated remaining funds due at closing
$65,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,436.83
Your down payment$50,436.83
Closing costs + prepaids$15,354.21
Total buyer cash needed$65,791.04
Remaining funds due$65,791.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,300.00
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)$1,308.75
Initial HOA (3 months)$249.99
Prepaid interest, first (22 days)$2,020.47
Fees + prepaids$15,354.21
Your down payment is the seller’s equity. You take over the $479,563 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $65,791.04 is due at closing. Uses and sources reconcile at $545,354.21 each. Not a Closing Disclosure.