Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$72,824Cash toward the purchase price.
Closing costs + prepaids$14,149Not just lender fees.
Before credits & paid funds$86,973The complete starting cash picture.
Estimated remaining funds due at closing
$86,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,823.78
Your down payment$72,823.78
Closing costs + prepaids$14,149.27
Total buyer cash needed$86,973.05
Remaining funds due$86,973.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$1,180.50
Initial HOA (3 months)$50.01
Prepaid interest, first (27 days)$1,243.76
Fees + prepaids$14,149.27
Your down payment is the seller’s equity. You take over the $447,176 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $86,973.05 is due at closing. Uses and sources reconcile at $534,149.27 each. Not a Closing Disclosure.