Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$64,124Cash toward the purchase price.
Closing costs + prepaids$15,825Not just lender fees.
Before credits & paid funds$79,949The complete starting cash picture.
Estimated remaining funds due at closing
$79,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,123.81
Your down payment$64,123.81
Closing costs + prepaids$15,825.20
Total buyer cash needed$79,949.01
Remaining funds due$79,949.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,725.00
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)$729.75
Initial HOA (3 months)$270.00
Prepaid interest, first (29 days)$2,625.45
Fees + prepaids$15,825.20
Your down payment is the seller’s equity. You take over the $508,376 balance, so the rest of the $572,500 price is paid at closing. A second mortgage can cover part of it. $79,949.01 is due at closing. Uses and sources reconcile at $588,325.20 each. Not a Closing Disclosure.