Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$68,676Cash toward the purchase price.
Closing costs + prepaids$14,741Not just lender fees.
Before credits & paid funds$83,418The complete starting cash picture.
Estimated remaining funds due at closing
$83,418No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,676.23
Your down payment$68,676.23
Closing costs + prepaids$14,741.47
Total buyer cash needed$83,417.69
Remaining funds due$83,417.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$1,250.00
Prepaid interest, first (27 days)$2,016.47
Fees + prepaids$14,741.47
Your down payment is the seller’s equity. You take over the $431,324 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $83,417.69 is due at closing. Uses and sources reconcile at $514,741.47 each. Not a Closing Disclosure.