Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$51,527Cash toward the purchase price.
Closing costs + prepaids$16,605Not just lender fees.
Before credits & paid funds$68,132The complete starting cash picture.
Estimated remaining funds due at closing
$68,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,527.21
Your down payment$51,527.21
Closing costs + prepaids$16,604.78
Total buyer cash needed$68,131.99
Remaining funds due$68,131.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,939.90
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)$1,485.00
Prepaid interest, first (28 days)$2,704.88
Fees + prepaids$16,604.78
Your down payment is the seller’s equity. You take over the $542,463 balance, so the rest of the $593,990 price is paid at closing. A second mortgage can cover part of it. $68,131.99 is due at closing. Uses and sources reconcile at $610,594.78 each. Not a Closing Disclosure.