Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$65,666Cash toward the purchase price.
Closing costs + prepaids$14,966Not just lender fees.
Before credits & paid funds$80,632The complete starting cash picture.
Estimated remaining funds due at closing
$80,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,665.64
Your down payment$65,665.64
Closing costs + prepaids$14,966.47
Total buyer cash needed$80,632.11
Remaining funds due$80,632.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,099.00
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)$1,274.75
Prepaid interest, first (25 days)$2,117.72
Fees + prepaids$14,966.47
Your down payment is the seller’s equity. You take over the $444,234 balance, so the rest of the $509,900 price is paid at closing. A second mortgage can cover part of it. $80,632.11 is due at closing. Uses and sources reconcile at $524,866.47 each. Not a Closing Disclosure.