Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$70,169Cash toward the purchase price.
Closing costs + prepaids$13,155Not just lender fees.
Before credits & paid funds$83,324The complete starting cash picture.
Estimated remaining funds due at closing
$83,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,169.35
Your down payment$70,169.35
Closing costs + prepaids$13,154.87
Total buyer cash needed$83,324.23
Remaining funds due$83,324.23
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)$643.75
Initial HOA (3 months)$219.00
Prepaid interest, first (17 days)$667.12
Fees + prepaids$13,154.87
Your down payment is the seller’s equity. You take over the $444,831 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $83,324.23 is due at closing. Uses and sources reconcile at $528,154.87 each. Not a Closing Disclosure.