Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$71,156Cash toward the purchase price.
Closing costs + prepaids$13,390Not just lender fees.
Before credits & paid funds$84,546The complete starting cash picture.
Estimated remaining funds due at closing
$84,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,156.47
Your down payment$71,156.47
Closing costs + prepaids$13,389.99
Total buyer cash needed$84,546.46
Remaining funds due$84,546.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$625.00
Initial HOA (3 months)$75.00
Prepaid interest, first (16 days)$1,215.99
Fees + prepaids$13,389.99
Your down payment is the seller’s equity. You take over the $428,744 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $84,546.46 is due at closing. Uses and sources reconcile at $513,289.99 each. Not a Closing Disclosure.