Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$56,666Cash toward the purchase price.
Closing costs + prepaids$14,497Not just lender fees.
Before credits & paid funds$71,163The complete starting cash picture.
Estimated remaining funds due at closing
$71,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,666.49
Your down payment$56,666.49
Closing costs + prepaids$14,496.69
Total buyer cash needed$71,163.18
Remaining funds due$71,163.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$1,187.25
Prepaid interest, first (28 days)$2,085.44
Fees + prepaids$14,496.69
Your down payment is the seller’s equity. You take over the $418,234 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $71,163.18 is due at closing. Uses and sources reconcile at $489,396.69 each. Not a Closing Disclosure.