Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$54,821Cash toward the purchase price.
Closing costs + prepaids$16,379Not just lender fees.
Before credits & paid funds$71,200The complete starting cash picture.
Estimated remaining funds due at closing
$71,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,821.19
Your down payment$54,821.19
Closing costs + prepaids$16,378.68
Total buyer cash needed$71,199.87
Remaining funds due$71,199.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$2,098.00
Initial HOA (3 months)$411.00
Prepaid interest, first (24 days)$2,195.68
Fees + prepaids$16,378.68
Your down payment is the seller’s equity. You take over the $465,079 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $71,199.87 is due at closing. Uses and sources reconcile at $536,278.68 each. Not a Closing Disclosure.