Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$64,927Cash toward the purchase price.
Closing costs + prepaids$13,750Not just lender fees.
Before credits & paid funds$78,677The complete starting cash picture.
Estimated remaining funds due at closing
$78,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,927.37
Your down payment$64,927.37
Closing costs + prepaids$13,750.11
Total buyer cash needed$78,677.48
Remaining funds due$78,677.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,490.00
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)$658.75
Initial HOA (3 months)$372.00
Prepaid interest, first (9 days)$754.36
Fees + prepaids$13,750.11
Your down payment is the seller’s equity. You take over the $484,073 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $78,677.48 is due at closing. Uses and sources reconcile at $562,750.11 each. Not a Closing Disclosure.