Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$70,051Cash toward the purchase price.
Closing costs + prepaids$14,830Not just lender fees.
Before credits & paid funds$84,881The complete starting cash picture.
Estimated remaining funds due at closing
$84,881No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,050.59
Your down payment$70,050.59
Closing costs + prepaids$14,830.24
Total buyer cash needed$84,880.83
Remaining funds due$84,880.83
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 (27 days)$1,981.49
Fees + prepaids$14,830.24
Your down payment is the seller’s equity. You take over the $439,849 balance, so the rest of the $509,900 price is paid at closing. A second mortgage can cover part of it. $84,880.83 is due at closing. Uses and sources reconcile at $524,730.24 each. Not a Closing Disclosure.