Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$66,963Cash toward the purchase price.
Closing costs + prepaids$14,107Not just lender fees.
Before credits & paid funds$81,070The complete starting cash picture.
Estimated remaining funds due at closing
$81,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,963.32
Your down payment$66,963.32
Closing costs + prepaids$14,106.50
Total buyer cash needed$81,069.82
Remaining funds due$81,069.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,695.00
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)$1,188.50
Prepaid interest, first (25 days)$1,748.00
Fees + prepaids$14,106.50
Your down payment is the seller’s equity. You take over the $402,537 balance, so the rest of the $469,500 price is paid at closing. A second mortgage can cover part of it. $81,069.82 is due at closing. Uses and sources reconcile at $483,606.50 each. Not a Closing Disclosure.