Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$70,198Cash toward the purchase price.
Closing costs + prepaids$14,675Not just lender fees.
Before credits & paid funds$84,873The complete starting cash picture.
Estimated remaining funds due at closing
$84,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,198.09
Your down payment$70,198.09
Closing costs + prepaids$14,674.86
Total buyer cash needed$84,872.95
Remaining funds due$84,872.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.90
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)$1,250.00
Prepaid interest, first (24 days)$1,949.96
Fees + prepaids$14,674.86
Your down payment is the seller’s equity. You take over the $429,792 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $84,872.95 is due at closing. Uses and sources reconcile at $514,664.86 each. Not a Closing Disclosure.