Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$67,231Cash toward the purchase price.
Closing costs + prepaids$14,497Not just lender fees.
Before credits & paid funds$81,728The complete starting cash picture.
Estimated remaining funds due at closing
$81,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,231.45
Your down payment$67,231.45
Closing costs + prepaids$14,496.60
Total buyer cash needed$81,728.05
Remaining funds due$81,728.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$783.00
Initial HOA (3 months)$378.00
Prepaid interest, first (21 days)$1,710.60
Fees + prepaids$14,496.60
Your down payment is the seller’s equity. You take over the $447,769 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $81,728.05 is due at closing. Uses and sources reconcile at $529,496.60 each. Not a Closing Disclosure.