Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$59,598Cash toward the purchase price.
Closing costs + prepaids$15,684Not just lender fees.
Before credits & paid funds$75,281The complete starting cash picture.
Estimated remaining funds due at closing
$75,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,597.62
Your down payment$59,597.62
Closing costs + prepaids$15,683.55
Total buyer cash needed$75,281.16
Remaining funds due$75,281.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,340.00
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)$1,264.75
Initial HOA (3 months)$159.00
Prepaid interest, first (30 days)$2,444.80
Fees + prepaids$15,683.55
Your down payment is the seller’s equity. You take over the $474,402 balance, so the rest of the $534,000 price is paid at closing. A second mortgage can cover part of it. $75,281.16 is due at closing. Uses and sources reconcile at $549,683.55 each. Not a Closing Disclosure.