Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$68,432Cash toward the purchase price.
Closing costs + prepaids$14,025Not just lender fees.
Before credits & paid funds$82,457The complete starting cash picture.
Estimated remaining funds due at closing
$82,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,432.19
Your down payment$68,432.19
Closing costs + prepaids$14,024.53
Total buyer cash needed$82,456.72
Remaining funds due$82,456.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$548.25
Prepaid interest, first (25 days)$2,011.28
Fees + prepaids$14,024.53
Your down payment is the seller’s equity. You take over the $430,568 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $82,456.72 is due at closing. Uses and sources reconcile at $513,024.53 each. Not a Closing Disclosure.