Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$50,446Cash toward the purchase price.
Closing costs + prepaids$16,171Not just lender fees.
Before credits & paid funds$66,617The complete starting cash picture.
Estimated remaining funds due at closing
$66,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,446.32
Your down payment$50,446.32
Closing costs + prepaids$16,170.57
Total buyer cash needed$66,616.89
Remaining funds due$66,616.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,849.99
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)$1,462.50
Prepaid interest, first (24 days)$2,383.08
Fees + prepaids$16,170.57
Your down payment is the seller’s equity. You take over the $534,553 balance, so the rest of the $584,999 price is paid at closing. A second mortgage can cover part of it. $66,616.89 is due at closing. Uses and sources reconcile at $601,169.57 each. Not a Closing Disclosure.