Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$55,060Cash toward the purchase price.
Closing costs + prepaids$14,576Not just lender fees.
Before credits & paid funds$69,635The complete starting cash picture.
Estimated remaining funds due at closing
$69,635No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,059.57
Your down payment$55,059.57
Closing costs + prepaids$14,575.64
Total buyer cash needed$69,635.21
Remaining funds due$69,635.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$878.25
Prepaid interest, first (24 days)$2,023.39
Fees + prepaids$14,575.64
Your down payment is the seller’s equity. You take over the $464,840 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $69,635.21 is due at closing. Uses and sources reconcile at $534,475.64 each. Not a Closing Disclosure.