Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$62,593Cash toward the purchase price.
Closing costs + prepaids$14,509Not just lender fees.
Before credits & paid funds$77,103The complete starting cash picture.
Estimated remaining funds due at closing
$77,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,593.46
Your down payment$62,593.46
Closing costs + prepaids$14,509.46
Total buyer cash needed$77,102.92
Remaining funds due$77,102.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$841.50
Prepaid interest, first (28 days)$2,193.96
Fees + prepaids$14,509.46
Your down payment is the seller’s equity. You take over the $437,307 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $77,102.92 is due at closing. Uses and sources reconcile at $514,409.46 each. Not a Closing Disclosure.