Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$65,005Cash toward the purchase price.
Closing costs + prepaids$13,598Not just lender fees.
Before credits & paid funds$78,603The complete starting cash picture.
Estimated remaining funds due at closing
$78,603No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,004.93
Your down payment$65,004.93
Closing costs + prepaids$13,598.37
Total buyer cash needed$78,603.30
Remaining funds due$78,603.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,625.00
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)$675.00
Initial HOA (3 months)$255.00
Prepaid interest, first (6 days)$568.37
Fees + prepaids$13,598.37
Your down payment is the seller’s equity. You take over the $497,495 balance, so the rest of the $562,500 price is paid at closing. A second mortgage can cover part of it. $78,603.30 is due at closing. Uses and sources reconcile at $576,098.37 each. Not a Closing Disclosure.