Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$53,547Cash toward the purchase price.
Closing costs + prepaids$13,516Not just lender fees.
Before credits & paid funds$67,063The complete starting cash picture.
Estimated remaining funds due at closing
$67,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,546.84
Your down payment$53,546.84
Closing costs + prepaids$13,516.22
Total buyer cash needed$67,063.07
Remaining funds due$67,063.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,229.00
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)$627.50
Initial HOA (3 months)$120.00
Prepaid interest, first (12 days)$1,064.72
Fees + prepaids$13,516.22
Your down payment is the seller’s equity. You take over the $469,353 balance, so the rest of the $522,900 price is paid at closing. A second mortgage can cover part of it. $67,063.07 is due at closing. Uses and sources reconcile at $536,416.22 each. Not a Closing Disclosure.