Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$68,097Cash toward the purchase price.
Closing costs + prepaids$15,017Not just lender fees.
Before credits & paid funds$83,114The complete starting cash picture.
Estimated remaining funds due at closing
$83,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,096.95
Your down payment$68,096.95
Closing costs + prepaids$15,016.77
Total buyer cash needed$83,113.72
Remaining funds due$83,113.72
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)$1,045.75
Initial HOA (3 months)$180.00
Prepaid interest, first (27 days)$2,116.02
Fees + prepaids$15,016.77
Your down payment is the seller’s equity. You take over the $451,903 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $83,113.72 is due at closing. Uses and sources reconcile at $535,016.77 each. Not a Closing Disclosure.