Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$61,067Cash toward the purchase price.
Closing costs + prepaids$15,544Not just lender fees.
Before credits & paid funds$76,611The complete starting cash picture.
Estimated remaining funds due at closing
$76,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,066.74
Your down payment$61,066.74
Closing costs + prepaids$15,543.94
Total buyer cash needed$76,610.68
Remaining funds due$76,610.68
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)$1,735.50
Initial HOA (3 months)$30.00
Prepaid interest, first (23 days)$2,003.44
Fees + prepaids$15,543.94
Your down payment is the seller’s equity. You take over the $468,933 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $76,610.68 is due at closing. Uses and sources reconcile at $545,543.94 each. Not a Closing Disclosure.