Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$53,460Cash toward the purchase price.
Closing costs + prepaids$14,235Not just lender fees.
Before credits & paid funds$67,695The complete starting cash picture.
Estimated remaining funds due at closing
$67,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,460.17
Your down payment$53,460.17
Closing costs + prepaids$14,235.26
Total buyer cash needed$67,695.43
Remaining funds due$67,695.43
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)$634.75
Initial HOA (3 months)$960.00
Prepaid interest, first (10 days)$875.51
Fees + prepaids$14,235.26
Your down payment is the seller’s equity. You take over the $475,540 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $67,695.43 is due at closing. Uses and sources reconcile at $543,235.26 each. Not a Closing Disclosure.