Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$50,656Cash toward the purchase price.
Closing costs + prepaids$15,680Not just lender fees.
Before credits & paid funds$66,336The complete starting cash picture.
Estimated remaining funds due at closing
$66,336No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,655.69
Your down payment$50,655.69
Closing costs + prepaids$15,679.89
Total buyer cash needed$66,335.58
Remaining funds due$66,335.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.99
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)$1,300.00
Initial HOA (3 months)$495.00
Prepaid interest, first (26 days)$2,209.90
Fees + prepaids$15,679.89
Your down payment is the seller’s equity. You take over the $469,343 balance, so the rest of the $519,999 price is paid at closing. A second mortgage can cover part of it. $66,335.58 is due at closing. Uses and sources reconcile at $535,678.89 each. Not a Closing Disclosure.