Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$68,765Cash toward the purchase price.
Closing costs + prepaids$13,709Not just lender fees.
Before credits & paid funds$82,474The complete starting cash picture.
Estimated remaining funds due at closing
$82,474No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,765.38
Your down payment$68,765.38
Closing costs + prepaids$13,708.72
Total buyer cash needed$82,474.10
Remaining funds due$82,474.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$600.00
Initial HOA (3 months)$810.00
Prepaid interest, first (12 days)$823.72
Fees + prepaids$13,708.72
Your down payment is the seller’s equity. You take over the $431,235 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $82,474.10 is due at closing. Uses and sources reconcile at $513,708.72 each. Not a Closing Disclosure.