Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$51,130Cash toward the purchase price.
Closing costs + prepaids$14,121Not just lender fees.
Before credits & paid funds$65,250The complete starting cash picture.
Estimated remaining funds due at closing
$65,250No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,129.53
Your down payment$51,129.53
Closing costs + prepaids$14,120.59
Total buyer cash needed$65,250.12
Remaining funds due$65,250.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$668.75
Initial HOA (3 months)$180.00
Prepaid interest, first (17 days)$1,446.84
Fees + prepaids$14,120.59
Your down payment is the seller’s equity. You take over the $483,870 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $65,250.12 is due at closing. Uses and sources reconcile at $549,120.59 each. Not a Closing Disclosure.