Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$51,471Cash toward the purchase price.
Closing costs + prepaids$14,619Not just lender fees.
Before credits & paid funds$66,090The complete starting cash picture.
Estimated remaining funds due at closing
$66,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,470.81
Your down payment$51,470.81
Closing costs + prepaids$14,619.33
Total buyer cash needed$66,090.14
Remaining funds due$66,090.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$556.00
Initial HOA (3 months)$411.00
Prepaid interest, first (26 days)$2,077.33
Fees + prepaids$14,619.33
Your down payment is the seller’s equity. You take over the $458,529 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $66,090.14 is due at closing. Uses and sources reconcile at $524,619.33 each. Not a Closing Disclosure.