Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$66,805Cash toward the purchase price.
Closing costs + prepaids$14,340Not just lender fees.
Before credits & paid funds$81,144The complete starting cash picture.
Estimated remaining funds due at closing
$81,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,804.55
Your down payment$66,804.55
Closing costs + prepaids$14,339.61
Total buyer cash needed$81,144.16
Remaining funds due$81,144.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,295.00
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)$1,512.00
Prepaid interest, first (27 days)$1,057.61
Fees + prepaids$14,339.61
Your down payment is the seller’s equity. You take over the $462,695 balance, so the rest of the $529,500 price is paid at closing. A second mortgage can cover part of it. $81,144.16 is due at closing. Uses and sources reconcile at $543,839.61 each. Not a Closing Disclosure.