Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$42,564Cash toward the purchase price.
Closing costs + prepaids$16,138Not just lender fees.
Before credits & paid funds$58,701The complete starting cash picture.
Estimated remaining funds due at closing
$58,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,563.54
Your down payment$42,563.54
Closing costs + prepaids$16,137.75
Total buyer cash needed$58,701.30
Remaining funds due$58,701.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,349.99
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)$1,022.00
Initial HOA (3 months)$756.00
Prepaid interest, first (28 days)$2,534.76
Fees + prepaids$16,137.75
Your down payment is the seller’s equity. You take over the $492,435 balance, so the rest of the $534,999 price is paid at closing. A second mortgage can cover part of it. $58,701.30 is due at closing. Uses and sources reconcile at $551,136.75 each. Not a Closing Disclosure.