Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$72,824Cash toward the purchase price.
Closing costs + prepaids$12,902Not just lender fees.
Before credits & paid funds$85,726The complete starting cash picture.
Estimated remaining funds due at closing
$85,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,823.78
Your down payment$72,823.78
Closing costs + prepaids$12,901.79
Total buyer cash needed$85,725.57
Remaining funds due$85,725.57
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)$624.00
Initial HOA (3 months)$50.01
Prepaid interest, first (12 days)$552.78
Fees + prepaids$12,901.79
Your down payment is the seller’s equity. You take over the $447,176 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $85,725.57 is due at closing. Uses and sources reconcile at $532,901.79 each. Not a Closing Disclosure.