Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$45,548Cash toward the purchase price.
Closing costs + prepaids$16,361Not just lender fees.
Before credits & paid funds$61,909The complete starting cash picture.
Estimated remaining funds due at closing
$61,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,548.00
Your down payment$45,548.00
Closing costs + prepaids$16,361.47
Total buyer cash needed$61,909.46
Remaining funds due$61,909.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$1,299.75
Initial HOA (3 months)$624.00
Prepaid interest, first (31 days)$2,763.72
Fees + prepaids$16,361.47
Your down payment is the seller’s equity. You take over the $474,352 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $61,909.46 is due at closing. Uses and sources reconcile at $536,261.47 each. Not a Closing Disclosure.