Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$45,448Cash toward the purchase price.
Closing costs + prepaids$13,557Not just lender fees.
Before credits & paid funds$59,006The complete starting cash picture.
Estimated remaining funds due at closing
$59,006No 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$13,557.30
Total buyer cash needed$59,005.66
Remaining funds due$59,005.66
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)$634.75
Initial HOA (3 months)$342.00
Prepaid interest, first (9 days)$815.55
Fees + prepaids$13,557.30
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. $59,005.66 is due at closing. Uses and sources reconcile at $542,557.30 each. Not a Closing Disclosure.