Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$72,104Cash toward the purchase price.
Closing costs + prepaids$13,490Not just lender fees.
Before credits & paid funds$85,594The complete starting cash picture.
Estimated remaining funds due at closing
$85,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,104.24
Your down payment$72,104.24
Closing costs + prepaids$13,489.66
Total buyer cash needed$85,593.89
Remaining funds due$85,593.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.50
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)$431.75
Initial HOA (3 months)$186.99
Prepaid interest, first (19 days)$1,396.42
Fees + prepaids$13,489.66
Your down payment is the seller’s equity. You take over the $427,846 balance, so the rest of the $499,950 price is paid at closing. A second mortgage can cover part of it. $85,593.89 is due at closing. Uses and sources reconcile at $513,439.66 each. Not a Closing Disclosure.