Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$58,627Cash toward the purchase price.
Closing costs + prepaids$14,586Not just lender fees.
Before credits & paid funds$73,213The complete starting cash picture.
Estimated remaining funds due at closing
$73,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,627.20
Your down payment$58,627.20
Closing costs + prepaids$14,585.78
Total buyer cash needed$73,212.98
Remaining funds due$73,212.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$1,069.75
Prepaid interest, first (24 days)$1,941.03
Fees + prepaids$14,585.78
Your down payment is the seller’s equity. You take over the $451,373 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $73,212.98 is due at closing. Uses and sources reconcile at $524,585.78 each. Not a Closing Disclosure.