Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$59,950Cash toward the purchase price.
Closing costs + prepaids$14,089Not just lender fees.
Before credits & paid funds$74,040The complete starting cash picture.
Estimated remaining funds due at closing
$74,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,950.08
Your down payment$59,950.08
Closing costs + prepaids$14,089.49
Total buyer cash needed$74,039.58
Remaining funds due$74,039.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.79
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)$675.00
Initial HOA (3 months)$120.00
Prepaid interest, first (17 days)$1,419.70
Fees + prepaids$14,089.49
Your down payment is the seller’s equity. You take over the $480,029 balance, so the rest of the $539,979 price is paid at closing. A second mortgage can cover part of it. $74,039.58 is due at closing. Uses and sources reconcile at $554,068.49 each. Not a Closing Disclosure.