Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$64,730Cash toward the purchase price.
Closing costs + prepaids$16,396Not just lender fees.
Before credits & paid funds$81,126The complete starting cash picture.
Estimated remaining funds due at closing
$81,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,729.94
Your down payment$64,729.94
Closing costs + prepaids$16,395.91
Total buyer cash needed$81,125.85
Remaining funds due$81,125.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.50
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)$2,855.25
Prepaid interest, first (24 days)$2,066.16
Fees + prepaids$16,395.91
Your down payment is the seller’s equity. You take over the $435,220 balance, so the rest of the $499,950 price is paid at closing. A second mortgage can cover part of it. $81,125.85 is due at closing. Uses and sources reconcile at $516,345.91 each. Not a Closing Disclosure.