Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$54,601Cash toward the purchase price.
Closing costs + prepaids$13,812Not just lender fees.
Before credits & paid funds$68,413The complete starting cash picture.
Estimated remaining funds due at closing
$68,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,601.40
Your down payment$54,601.40
Closing costs + prepaids$13,811.93
Total buyer cash needed$68,413.32
Remaining funds due$68,413.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,098.99
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)$472.00
Initial HOA (3 months)$66.99
Prepaid interest, first (20 days)$1,698.95
Fees + prepaids$13,811.93
Your down payment is the seller’s equity. You take over the $455,298 balance, so the rest of the $509,899 price is paid at closing. A second mortgage can cover part of it. $68,413.32 is due at closing. Uses and sources reconcile at $523,710.93 each. Not a Closing Disclosure.