Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$44,994Cash toward the purchase price.
Closing costs + prepaids$12,818Not just lender fees.
Before credits & paid funds$57,811The complete starting cash picture.
Estimated remaining funds due at closing
$57,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,993.53
Your down payment$44,993.53
Closing costs + prepaids$12,817.70
Total buyer cash needed$57,811.23
Remaining funds due$57,811.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,290.00
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)$620.00
Initial HOA (3 months)$342.00
Prepaid interest, first (1 days)$90.70
Fees + prepaids$12,817.70
Your down payment is the seller’s equity. You take over the $484,006 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $57,811.23 is due at closing. Uses and sources reconcile at $541,817.70 each. Not a Closing Disclosure.