Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$50,605Cash toward the purchase price.
Closing costs + prepaids$13,526Not just lender fees.
Before credits & paid funds$64,131The complete starting cash picture.
Estimated remaining funds due at closing
$64,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,604.55
Your down payment$50,604.55
Closing costs + prepaids$13,526.10
Total buyer cash needed$64,130.65
Remaining funds due$64,130.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$705.00
Prepaid interest, first (26 days)$1,646.10
Fees + prepaids$13,526.10
Your down payment is the seller’s equity. You take over the $419,395 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $64,130.65 is due at closing. Uses and sources reconcile at $483,526.10 each. Not a Closing Disclosure.