Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$36,421Cash toward the purchase price.
Closing costs + prepaids$14,277Not just lender fees.
Before credits & paid funds$50,699The complete starting cash picture.
Estimated remaining funds due at closing
$50,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,421.22
Your down payment$36,421.22
Closing costs + prepaids$14,277.43
Total buyer cash needed$50,698.64
Remaining funds due$50,698.64
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)$662.50
Initial HOA (3 months)$279.00
Prepaid interest, first (17 days)$1,560.93
Fees + prepaids$14,277.43
Your down payment is the seller’s equity. You take over the $493,579 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $50,698.64 is due at closing. Uses and sources reconcile at $544,277.43 each. Not a Closing Disclosure.