Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$45,448Cash toward the purchase price.
Closing costs + prepaids$14,449Not just lender fees.
Before credits & paid funds$59,897The complete starting cash picture.
Estimated remaining funds due at closing
$59,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,448.36
Your down payment$45,448.36
Closing costs + prepaids$14,448.71
Total buyer cash needed$59,897.07
Remaining funds due$59,897.07
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)$620.00
Initial HOA (3 months)$342.00
Prepaid interest, first (19 days)$1,721.71
Fees + prepaids$14,448.71
Your down payment is the seller’s equity. You take over the $483,552 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $59,897.07 is due at closing. Uses and sources reconcile at $543,448.71 each. Not a Closing Disclosure.