Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$67,455Cash toward the purchase price.
Closing costs + prepaids$15,764Not just lender fees.
Before credits & paid funds$83,219The complete starting cash picture.
Estimated remaining funds due at closing
$83,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,454.93
Your down payment$67,454.93
Closing costs + prepaids$15,763.69
Total buyer cash needed$83,218.62
Remaining funds due$83,218.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,649.50
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)$921.25
Initial HOA (3 months)$255.00
Prepaid interest, first (26 days)$2,462.94
Fees + prepaids$15,763.69
Your down payment is the seller’s equity. You take over the $497,495 balance, so the rest of the $564,950 price is paid at closing. A second mortgage can cover part of it. $83,218.62 is due at closing. Uses and sources reconcile at $580,713.69 each. Not a Closing Disclosure.