Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$67,063Cash toward the purchase price.
Closing costs + prepaids$14,542Not just lender fees.
Before credits & paid funds$81,605The complete starting cash picture.
Estimated remaining funds due at closing
$81,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,062.59
Your down payment$67,062.59
Closing costs + prepaids$14,542.18
Total buyer cash needed$81,604.77
Remaining funds due$81,604.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
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)$1,224.75
Prepaid interest, first (24 days)$1,943.43
Fees + prepaids$14,542.18
Your down payment is the seller’s equity. You take over the $422,837 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $81,604.77 is due at closing. Uses and sources reconcile at $504,442.18 each. Not a Closing Disclosure.