Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$66,746Cash toward the purchase price.
Closing costs + prepaids$12,868Not just lender fees.
Before credits & paid funds$79,614The complete starting cash picture.
Estimated remaining funds due at closing
$79,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,746.07
Your down payment$66,746.07
Closing costs + prepaids$12,867.55
Total buyer cash needed$79,613.61
Remaining funds due$79,613.61
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 (1 days)$81.55
Fees + prepaids$12,867.55
Your down payment is the seller’s equity. You take over the $448,254 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $79,613.61 is due at closing. Uses and sources reconcile at $527,867.55 each. Not a Closing Disclosure.