Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$72,555Cash toward the purchase price.
Closing costs + prepaids$16,109Not just lender fees.
Before credits & paid funds$88,664The complete starting cash picture.
Estimated remaining funds due at closing
$88,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,555.46
Your down payment$72,555.46
Closing costs + prepaids$16,108.96
Total buyer cash needed$88,664.42
Remaining funds due$88,664.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.50
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)$1,425.00
Prepaid interest, first (29 days)$2,509.46
Fees + prepaids$16,108.96
Your down payment is the seller’s equity. You take over the $497,395 balance, so the rest of the $569,950 price is paid at closing. A second mortgage can cover part of it. $88,664.42 is due at closing. Uses and sources reconcile at $586,058.96 each. Not a Closing Disclosure.