Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$59,308Cash toward the purchase price.
Closing costs + prepaids$15,040Not just lender fees.
Before credits & paid funds$74,348The complete starting cash picture.
Estimated remaining funds due at closing
$74,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,307.97
Your down payment$59,307.97
Closing costs + prepaids$15,039.62
Total buyer cash needed$74,347.60
Remaining funds due$74,347.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$1,381.25
Prepaid interest, first (26 days)$2,184.37
Fees + prepaids$15,039.62
Your down payment is the seller’s equity. You take over the $440,592 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $74,347.60 is due at closing. Uses and sources reconcile at $514,939.62 each. Not a Closing Disclosure.