Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$66,411Cash toward the purchase price.
Closing costs + prepaids$13,420Not just lender fees.
Before credits & paid funds$79,831The complete starting cash picture.
Estimated remaining funds due at closing
$79,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,410.75
Your down payment$66,410.75
Closing costs + prepaids$13,419.84
Total buyer cash needed$79,830.59
Remaining funds due$79,830.59
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 (2 days)$170.19
Fees + prepaids$13,419.84
Your down payment is the seller’s equity. You take over the $456,079 balance, so the rest of the $522,490 price is paid at closing. A second mortgage can cover part of it. $79,830.59 is due at closing. Uses and sources reconcile at $535,909.84 each. Not a Closing Disclosure.