Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$65,557Cash toward the purchase price.
Closing costs + prepaids$16,077Not just lender fees.
Before credits & paid funds$81,634The complete starting cash picture.
Estimated remaining funds due at closing
$81,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,557.01
Your down payment$65,557.01
Closing costs + prepaids$16,076.53
Total buyer cash needed$81,633.53
Remaining funds due$81,633.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,148.80
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)$1,287.25
Initial HOA (3 months)$1,056.00
Prepaid interest, first (28 days)$2,109.48
Fees + prepaids$16,076.53
Your down payment is the seller’s equity. You take over the $449,323 balance, so the rest of the $514,880 price is paid at closing. A second mortgage can cover part of it. $81,633.53 is due at closing. Uses and sources reconcile at $530,956.53 each. Not a Closing Disclosure.