Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$57,351Cash toward the purchase price.
Closing costs + prepaids$12,306Not just lender fees.
Before credits & paid funds$69,658The complete starting cash picture.
Estimated remaining funds due at closing
$69,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,351.14
Your down payment$57,351.14
Closing costs + prepaids$12,306.45
Total buyer cash needed$69,657.59
Remaining funds due$69,657.59
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 (2 days)$156.20
Fees + prepaids$12,306.45
Your down payment is the seller’s equity. You take over the $442,649 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $69,657.59 is due at closing. Uses and sources reconcile at $512,306.45 each. Not a Closing Disclosure.