Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$40,901Cash toward the purchase price.
Closing costs + prepaids$14,544Not just lender fees.
Before credits & paid funds$55,445The complete starting cash picture.
Estimated remaining funds due at closing
$55,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,901.03
Your down payment$40,901.03
Closing costs + prepaids$14,543.91
Total buyer cash needed$55,444.94
Remaining funds due$55,444.94
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)$1,325.00
Initial HOA (3 months)$537.00
Prepaid interest, first (18 days)$906.91
Fees + prepaids$14,543.91
Your down payment is the seller’s equity. You take over the $489,099 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $55,444.94 is due at closing. Uses and sources reconcile at $544,543.91 each. Not a Closing Disclosure.