Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$54,938Cash toward the purchase price.
Closing costs + prepaids$15,891Not just lender fees.
Before credits & paid funds$70,828The complete starting cash picture.
Estimated remaining funds due at closing
$70,828No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,937.55
Your down payment$54,937.55
Closing costs + prepaids$15,890.93
Total buyer cash needed$70,828.49
Remaining funds due$70,828.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,679.00
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)$1,419.75
Prepaid interest, first (24 days)$2,317.18
Fees + prepaids$15,890.93
Your down payment is the seller’s equity. You take over the $512,962 balance, so the rest of the $567,900 price is paid at closing. A second mortgage can cover part of it. $70,828.49 is due at closing. Uses and sources reconcile at $583,790.93 each. Not a Closing Disclosure.