Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$54,682Cash toward the purchase price.
Closing costs + prepaids$13,906Not just lender fees.
Before credits & paid funds$68,588The complete starting cash picture.
Estimated remaining funds due at closing
$68,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,681.63
Your down payment$54,681.63
Closing costs + prepaids$13,906.13
Total buyer cash needed$68,587.76
Remaining funds due$68,587.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,970.00
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)$1,290.50
Prepaid interest, first (28 days)$1,170.63
Fees + prepaids$13,906.13
Your down payment is the seller’s equity. You take over the $442,318 balance, so the rest of the $497,000 price is paid at closing. A second mortgage can cover part of it. $68,587.76 is due at closing. Uses and sources reconcile at $510,906.13 each. Not a Closing Disclosure.