Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$66,856Cash toward the purchase price.
Closing costs + prepaids$15,290Not just lender fees.
Before credits & paid funds$82,146The complete starting cash picture.
Estimated remaining funds due at closing
$82,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,856.23
Your down payment$66,856.23
Closing costs + prepaids$15,289.89
Total buyer cash needed$82,146.12
Remaining funds due$82,146.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,224.90
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)$1,483.75
Initial HOA (3 months)$66.00
Prepaid interest, first (24 days)$2,040.24
Fees + prepaids$15,289.89
Your down payment is the seller’s equity. You take over the $455,634 balance, so the rest of the $522,490 price is paid at closing. A second mortgage can cover part of it. $82,146.12 is due at closing. Uses and sources reconcile at $537,779.89 each. Not a Closing Disclosure.