Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$45,364Cash toward the purchase price.
Closing costs + prepaids$15,777Not just lender fees.
Before credits & paid funds$61,141The complete starting cash picture.
Estimated remaining funds due at closing
$61,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,364.27
Your down payment$45,364.27
Closing costs + prepaids$15,776.67
Total buyer cash needed$61,140.95
Remaining funds due$61,140.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,349.26
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)$878.50
Initial HOA (3 months)$417.00
Prepaid interest, first (31 days)$2,656.91
Fees + prepaids$15,776.67
Your down payment is the seller’s equity. You take over the $489,562 balance, so the rest of the $534,926 price is paid at closing. A second mortgage can cover part of it. $61,140.95 is due at closing. Uses and sources reconcile at $550,702.67 each. Not a Closing Disclosure.