Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$44,889Cash toward the purchase price.
Closing costs + prepaids$16,362Not just lender fees.
Before credits & paid funds$61,251The complete starting cash picture.
Estimated remaining funds due at closing
$61,251No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,888.83
Your down payment$44,888.83
Closing costs + prepaids$16,361.88
Total buyer cash needed$61,250.71
Remaining funds due$61,250.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$2,206.25
Initial HOA (3 months)$27.75
Prepaid interest, first (28 days)$2,452.88
Fees + prepaids$16,361.88
Your down payment is the seller’s equity. You take over the $475,111 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $61,250.71 is due at closing. Uses and sources reconcile at $536,361.88 each. Not a Closing Disclosure.