Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$72,331Cash toward the purchase price.
Closing costs + prepaids$13,570Not just lender fees.
Before credits & paid funds$85,902The complete starting cash picture.
Estimated remaining funds due at closing
$85,902No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,331.49
Your down payment$72,331.49
Closing costs + prepaids$13,570.31
Total buyer cash needed$85,901.80
Remaining funds due$85,901.80
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)$1,172.25
Prepaid interest, first (26 days)$933.06
Fees + prepaids$13,570.31
Your down payment is the seller’s equity. You take over the $426,669 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $85,901.80 is due at closing. Uses and sources reconcile at $512,570.31 each. Not a Closing Disclosure.