Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$50,437Cash toward the purchase price.
Closing costs + prepaids$16,089Not just lender fees.
Before credits & paid funds$66,526The complete starting cash picture.
Estimated remaining funds due at closing
$66,526No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,436.83
Your down payment$50,436.83
Closing costs + prepaids$16,088.93
Total buyer cash needed$66,525.76
Remaining funds due$66,525.76
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)$1,308.75
Initial HOA (3 months)$249.99
Prepaid interest, first (30 days)$2,755.19
Fees + prepaids$16,088.93
Your down payment is the seller’s equity. You take over the $479,563 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $66,525.76 is due at closing. Uses and sources reconcile at $546,088.93 each. Not a Closing Disclosure.