Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$57,816Cash toward the purchase price.
Closing costs + prepaids$14,569Not just lender fees.
Before credits & paid funds$72,385The complete starting cash picture.
Estimated remaining funds due at closing
$72,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,816.49
Your down payment$57,816.49
Closing costs + prepaids$14,568.81
Total buyer cash needed$72,385.30
Remaining funds due$72,385.30
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)$375.25
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$2,418.56
Fees + prepaids$14,568.81
Your down payment is the seller’s equity. You take over the $442,184 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $72,385.30 is due at closing. Uses and sources reconcile at $514,568.81 each. Not a Closing Disclosure.