Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$62,094Cash toward the purchase price.
Closing costs + prepaids$14,778Not just lender fees.
Before credits & paid funds$76,871The complete starting cash picture.
Estimated remaining funds due at closing
$76,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,093.56
Your down payment$62,093.56
Closing costs + prepaids$14,777.65
Total buyer cash needed$76,871.21
Remaining funds due$76,871.21
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)$1,250.00
Initial HOA (3 months)$582.00
Prepaid interest, first (18 days)$1,470.65
Fees + prepaids$14,777.65
Your down payment is the seller’s equity. You take over the $437,906 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $76,871.21 is due at closing. Uses and sources reconcile at $514,777.65 each. Not a Closing Disclosure.