Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$50,556Cash toward the purchase price.
Closing costs + prepaids$15,318Not just lender fees.
Before credits & paid funds$65,874The complete starting cash picture.
Estimated remaining funds due at closing
$65,874No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,555.77
Your down payment$50,555.77
Closing costs + prepaids$15,318.45
Total buyer cash needed$65,874.22
Remaining funds due$65,874.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,169.99
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)$1,046.50
Initial HOA (3 months)$135.00
Prepaid interest, first (30 days)$2,491.96
Fees + prepaids$15,318.45
Your down payment is the seller’s equity. You take over the $466,443 balance, so the rest of the $516,999 price is paid at closing. A second mortgage can cover part of it. $65,874.22 is due at closing. Uses and sources reconcile at $532,317.45 each. Not a Closing Disclosure.