Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$50,340Cash toward the purchase price.
Closing costs + prepaids$13,447Not just lender fees.
Before credits & paid funds$63,787The complete starting cash picture.
Estimated remaining funds due at closing
$63,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,340.07
Your down payment$50,340.07
Closing costs + prepaids$13,447.08
Total buyer cash needed$63,787.15
Remaining funds due$63,787.15
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)$618.00
Initial HOA (3 months)$150.00
Prepaid interest, first (12 days)$1,054.08
Fees + prepaids$13,447.08
Your down payment is the seller’s equity. You take over the $464,660 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $63,787.15 is due at closing. Uses and sources reconcile at $528,447.08 each. Not a Closing Disclosure.