Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$60,872Cash toward the purchase price.
Closing costs + prepaids$14,161Not just lender fees.
Before credits & paid funds$75,033The complete starting cash picture.
Estimated remaining funds due at closing
$75,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,871.78
Your down payment$60,871.78
Closing costs + prepaids$14,160.82
Total buyer cash needed$75,032.60
Remaining funds due$75,032.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$725.75
Prepaid interest, first (25 days)$2,010.07
Fees + prepaids$14,160.82
Your down payment is the seller’s equity. You take over the $434,128 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $75,032.60 is due at closing. Uses and sources reconcile at $509,160.82 each. Not a Closing Disclosure.