Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$55,776Cash toward the purchase price.
Closing costs + prepaids$15,827Not just lender fees.
Before credits & paid funds$71,603The complete starting cash picture.
Estimated remaining funds due at closing
$71,603No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,775.72
Your down payment$55,775.72
Closing costs + prepaids$15,827.10
Total buyer cash needed$71,602.81
Remaining funds due$71,602.81
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)$1,314.00
Initial HOA (3 months)$150.00
Prepaid interest, first (30 days)$2,588.10
Fees + prepaids$15,827.10
Your down payment is the seller’s equity. You take over the $474,224 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $71,602.81 is due at closing. Uses and sources reconcile at $545,827.10 each. Not a Closing Disclosure.