Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$59,932Cash toward the purchase price.
Closing costs + prepaids$15,899Not just lender fees.
Before credits & paid funds$75,831The complete starting cash picture.
Estimated remaining funds due at closing
$75,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,931.74
Your down payment$59,931.74
Closing costs + prepaids$15,898.94
Total buyer cash needed$75,830.68
Remaining funds due$75,830.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,099.99
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)$1,558.50
Initial HOA (3 months)$105.00
Prepaid interest, first (31 days)$2,660.45
Fees + prepaids$15,898.94
Your down payment is the seller’s equity. You take over the $450,067 balance, so the rest of the $509,999 price is paid at closing. A second mortgage can cover part of it. $75,830.68 is due at closing. Uses and sources reconcile at $525,897.94 each. Not a Closing Disclosure.