Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$65,969Cash toward the purchase price.
Closing costs + prepaids$14,893Not just lender fees.
Before credits & paid funds$80,862The complete starting cash picture.
Estimated remaining funds due at closing
$80,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,968.98
Your down payment$65,968.98
Closing costs + prepaids$14,892.62
Total buyer cash needed$80,861.61
Remaining funds due$80,861.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$1,310.50
Initial HOA (3 months)$327.00
Prepaid interest, first (30 days)$1,780.12
Fees + prepaids$14,892.62
Your down payment is the seller’s equity. You take over the $434,031 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $80,861.61 is due at closing. Uses and sources reconcile at $514,892.62 each. Not a Closing Disclosure.