Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$53,324Cash toward the purchase price.
Closing costs + prepaids$14,352Not just lender fees.
Before credits & paid funds$67,676The complete starting cash picture.
Estimated remaining funds due at closing
$67,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,323.65
Your down payment$53,323.65
Closing costs + prepaids$14,351.96
Total buyer cash needed$67,675.60
Remaining funds due$67,675.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.99
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)$1,225.00
Prepaid interest, first (28 days)$1,751.97
Fees + prepaids$14,351.96
Your down payment is the seller’s equity. You take over the $436,675 balance, so the rest of the $489,999 price is paid at closing. A second mortgage can cover part of it. $67,675.60 is due at closing. Uses and sources reconcile at $504,350.96 each. Not a Closing Disclosure.