Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$64,346Cash toward the purchase price.
Closing costs + prepaids$15,913Not just lender fees.
Before credits & paid funds$80,259The complete starting cash picture.
Estimated remaining funds due at closing
$80,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,346.29
Your down payment$64,346.29
Closing costs + prepaids$15,913.03
Total buyer cash needed$80,259.32
Remaining funds due$80,259.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,440.00
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)$1,360.00
Initial HOA (3 months)$465.00
Prepaid interest, first (26 days)$2,173.03
Fees + prepaids$15,913.03
Your down payment is the seller’s equity. You take over the $479,654 balance, so the rest of the $544,000 price is paid at closing. A second mortgage can cover part of it. $80,259.32 is due at closing. Uses and sources reconcile at $559,913.03 each. Not a Closing Disclosure.