Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$50,158Cash toward the purchase price.
Closing costs + prepaids$15,371Not just lender fees.
Before credits & paid funds$65,529The complete starting cash picture.
Estimated remaining funds due at closing
$65,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,158.07
Your down payment$50,158.07
Closing costs + prepaids$15,371.20
Total buyer cash needed$65,529.27
Remaining funds due$65,529.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,167.99
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)$2,546.71
Fees + prepaids$15,371.20
Your down payment is the seller’s equity. You take over the $466,641 balance, so the rest of the $516,799 price is paid at closing. A second mortgage can cover part of it. $65,529.27 is due at closing. Uses and sources reconcile at $532,170.20 each. Not a Closing Disclosure.