Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$53,365Cash toward the purchase price.
Closing costs + prepaids$14,968Not just lender fees.
Before credits & paid funds$68,333The complete starting cash picture.
Estimated remaining funds due at closing
$68,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,365.15
Your down payment$53,365.15
Closing costs + prepaids$14,967.90
Total buyer cash needed$68,333.04
Remaining funds due$68,333.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,099.99
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)$1,275.00
Prepaid interest, first (27 days)$2,117.91
Fees + prepaids$14,967.90
Your down payment is the seller’s equity. You take over the $456,634 balance, so the rest of the $509,999 price is paid at closing. A second mortgage can cover part of it. $68,333.04 is due at closing. Uses and sources reconcile at $524,966.90 each. Not a Closing Disclosure.