Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$52,056Cash toward the purchase price.
Closing costs + prepaids$16,219Not just lender fees.
Before credits & paid funds$68,275The complete starting cash picture.
Estimated remaining funds due at closing
$68,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,056.07
Your down payment$52,056.07
Closing costs + prepaids$16,218.67
Total buyer cash needed$68,274.74
Remaining funds due$68,274.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,050.00
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)$1,512.50
Prepaid interest, first (23 days)$2,181.17
Fees + prepaids$16,218.67
Your down payment is the seller’s equity. You take over the $552,944 balance, so the rest of the $605,000 price is paid at closing. A second mortgage can cover part of it. $68,274.74 is due at closing. Uses and sources reconcile at $621,218.67 each. Not a Closing Disclosure.