Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$71,371Cash toward the purchase price.
Closing costs + prepaids$15,726Not just lender fees.
Before credits & paid funds$87,097The complete starting cash picture.
Estimated remaining funds due at closing
$87,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,370.51
Your down payment$71,370.51
Closing costs + prepaids$15,726.04
Total buyer cash needed$87,096.55
Remaining funds due$87,096.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,480.00
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)$1,370.00
Prepaid interest, first (27 days)$2,401.04
Fees + prepaids$15,726.04
Your down payment is the seller’s equity. You take over the $476,629 balance, so the rest of the $548,000 price is paid at closing. A second mortgage can cover part of it. $87,096.55 is due at closing. Uses and sources reconcile at $563,726.04 each. Not a Closing Disclosure.