Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$64,207Cash toward the purchase price.
Closing costs + prepaids$12,299Not just lender fees.
Before credits & paid funds$76,506The complete starting cash picture.
Estimated remaining funds due at closing
$76,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,206.92
Your down payment$64,206.92
Closing costs + prepaids$12,299.03
Total buyer cash needed$76,505.95
Remaining funds due$76,505.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$472.00
Initial HOA (3 months)$66.99
Prepaid interest, first (1 days)$85.04
Fees + prepaids$12,299.03
Your down payment is the seller’s equity. You take over the $455,793 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $76,505.95 is due at closing. Uses and sources reconcile at $532,299.03 each. Not a Closing Disclosure.