Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$59,014Cash toward the purchase price.
Closing costs + prepaids$15,900Not just lender fees.
Before credits & paid funds$74,914The complete starting cash picture.
Estimated remaining funds due at closing
$74,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,014.15
Your down payment$59,014.15
Closing costs + prepaids$15,899.63
Total buyer cash needed$74,913.78
Remaining funds due$74,913.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$1,274.50
Initial HOA (3 months)$132.00
Prepaid interest, first (31 days)$2,668.13
Fees + prepaids$15,899.63
Your down payment is the seller’s equity. You take over the $475,986 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $74,913.78 is due at closing. Uses and sources reconcile at $550,899.63 each. Not a Closing Disclosure.