Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$66,963Cash toward the purchase price.
Closing costs + prepaids$15,793Not just lender fees.
Before credits & paid funds$82,757The complete starting cash picture.
Estimated remaining funds due at closing
$82,757No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,963.40
Your down payment$66,963.40
Closing costs + prepaids$15,793.18
Total buyer cash needed$82,756.57
Remaining funds due$82,756.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,490.00
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)$791.50
Initial HOA (3 months)$192.00
Prepaid interest, first (30 days)$2,844.68
Fees + prepaids$15,793.18
Your down payment is the seller’s equity. You take over the $482,037 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $82,756.57 is due at closing. Uses and sources reconcile at $564,793.18 each. Not a Closing Disclosure.