Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$68,765Cash toward the purchase price.
Closing costs + prepaids$15,493Not just lender fees.
Before credits & paid funds$84,258The complete starting cash picture.
Estimated remaining funds due at closing
$84,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,765.38
Your down payment$68,765.38
Closing costs + prepaids$15,493.11
Total buyer cash needed$84,258.49
Remaining funds due$84,258.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$1,354.75
Initial HOA (3 months)$810.00
Prepaid interest, first (27 days)$1,853.36
Fees + prepaids$15,493.11
Your down payment is the seller’s equity. You take over the $431,235 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $84,258.49 is due at closing. Uses and sources reconcile at $515,493.11 each. Not a Closing Disclosure.