Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$69,590Cash toward the purchase price.
Closing costs + prepaids$13,569Not just lender fees.
Before credits & paid funds$83,159The complete starting cash picture.
Estimated remaining funds due at closing
$83,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,590.17
Your down payment$69,590.17
Closing costs + prepaids$13,568.67
Total buyer cash needed$83,158.84
Remaining funds due$83,158.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$367.00
Prepaid interest, first (24 days)$1,836.67
Fees + prepaids$13,568.67
Your down payment is the seller’s equity. You take over the $419,410 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $83,158.84 is due at closing. Uses and sources reconcile at $502,568.67 each. Not a Closing Disclosure.