Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$64,369Cash toward the purchase price.
Closing costs + prepaids$15,284Not just lender fees.
Before credits & paid funds$79,654The complete starting cash picture.
Estimated remaining funds due at closing
$79,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,369.45
Your down payment$64,369.45
Closing costs + prepaids$15,284.09
Total buyer cash needed$79,653.53
Remaining funds due$79,653.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,249.00
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)$1,604.75
Initial HOA (3 months)$90.00
Prepaid interest, first (22 days)$1,865.34
Fees + prepaids$15,284.09
Your down payment is the seller’s equity. You take over the $460,531 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $79,653.53 is due at closing. Uses and sources reconcile at $540,184.09 each. Not a Closing Disclosure.