Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$50,749Cash toward the purchase price.
Closing costs + prepaids$14,297Not just lender fees.
Before credits & paid funds$65,046The complete starting cash picture.
Estimated remaining funds due at closing
$65,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,749.05
Your down payment$50,749.05
Closing costs + prepaids$14,296.66
Total buyer cash needed$65,045.71
Remaining funds due$65,045.71
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)$287.75
Initial HOA (3 months)$225.00
Prepaid interest, first (25 days)$2,008.91
Fees + prepaids$14,296.66
Your down payment is the seller’s equity. You take over the $479,251 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $65,045.71 is due at closing. Uses and sources reconcile at $544,296.66 each. Not a Closing Disclosure.