Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$67,274Cash toward the purchase price.
Closing costs + prepaids$16,396Not just lender fees.
Before credits & paid funds$83,670The complete starting cash picture.
Estimated remaining funds due at closing
$83,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,273.79
Your down payment$67,273.79
Closing costs + prepaids$16,395.91
Total buyer cash needed$83,669.71
Remaining funds due$83,669.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,490.00
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)$1,372.50
Initial HOA (3 months)$2,169.00
Prepaid interest, first (23 days)$889.41
Fees + prepaids$16,395.91
Your down payment is the seller’s equity. You take over the $481,726 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $83,669.71 is due at closing. Uses and sources reconcile at $565,395.91 each. Not a Closing Disclosure.