Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$61,067Cash toward the purchase price.
Closing costs + prepaids$16,241Not just lender fees.
Before credits & paid funds$77,308The complete starting cash picture.
Estimated remaining funds due at closing
$77,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,066.74
Your down payment$61,066.74
Closing costs + prepaids$16,240.78
Total buyer cash needed$77,307.53
Remaining funds due$77,307.53
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)$1,735.50
Initial HOA (3 months)$30.00
Prepaid interest, first (31 days)$2,700.28
Fees + prepaids$16,240.78
Your down payment is the seller’s equity. You take over the $468,933 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $77,307.53 is due at closing. Uses and sources reconcile at $546,240.78 each. Not a Closing Disclosure.