Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$50,113Cash toward the purchase price.
Closing costs + prepaids$16,838Not just lender fees.
Before credits & paid funds$66,952The complete starting cash picture.
Estimated remaining funds due at closing
$66,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,113.20
Your down payment$50,113.20
Closing costs + prepaids$16,838.35
Total buyer cash needed$66,951.54
Remaining funds due$66,951.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,149.99
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)$1,537.50
Prepaid interest, first (26 days)$2,675.86
Fees + prepaids$16,838.35
Your down payment is the seller’s equity. You take over the $564,886 balance, so the rest of the $614,999 price is paid at closing. A second mortgage can cover part of it. $66,951.54 is due at closing. Uses and sources reconcile at $631,837.35 each. Not a Closing Disclosure.