Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$60,940Cash toward the purchase price.
Closing costs + prepaids$14,251Not just lender fees.
Before credits & paid funds$75,191The complete starting cash picture.
Estimated remaining funds due at closing
$75,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,939.74
Your down payment$60,939.74
Closing costs + prepaids$14,251.23
Total buyer cash needed$75,190.97
Remaining funds due$75,190.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$1,197.50
Prepaid interest, first (23 days)$1,788.73
Fees + prepaids$14,251.23
Your down payment is the seller’s equity. You take over the $418,060 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $75,190.97 is due at closing. Uses and sources reconcile at $493,251.23 each. Not a Closing Disclosure.