Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$52,228Cash toward the purchase price.
Closing costs + prepaids$15,161Not just lender fees.
Before credits & paid funds$67,389The complete starting cash picture.
Estimated remaining funds due at closing
$67,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,228.13
Your down payment$52,228.13
Closing costs + prepaids$15,160.75
Total buyer cash needed$67,388.88
Remaining funds due$67,388.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,099.00
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)$1,274.75
Initial HOA (3 months)$582.00
Prepaid interest, first (27 days)$1,730.00
Fees + prepaids$15,160.75
Your down payment is the seller’s equity. You take over the $457,672 balance, so the rest of the $509,900 price is paid at closing. A second mortgage can cover part of it. $67,388.88 is due at closing. Uses and sources reconcile at $525,060.75 each. Not a Closing Disclosure.