Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$53,927Cash toward the purchase price.
Closing costs + prepaids$14,581Not just lender fees.
Before credits & paid funds$68,508The complete starting cash picture.
Estimated remaining funds due at closing
$68,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,926.93
Your down payment$53,926.93
Closing costs + prepaids$14,581.40
Total buyer cash needed$68,508.33
Remaining funds due$68,508.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,895.00
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)$1,223.75
Prepaid interest, first (24 days)$1,987.65
Fees + prepaids$14,581.40
Your down payment is the seller’s equity. You take over the $435,573 balance, so the rest of the $489,500 price is paid at closing. A second mortgage can cover part of it. $68,508.33 is due at closing. Uses and sources reconcile at $504,081.40 each. Not a Closing Disclosure.