Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$51,973Cash toward the purchase price.
Closing costs + prepaids$15,017Not just lender fees.
Before credits & paid funds$66,990The complete starting cash picture.
Estimated remaining funds due at closing
$66,990No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,972.68
Your down payment$51,972.68
Closing costs + prepaids$15,017.13
Total buyer cash needed$66,989.81
Remaining funds due$66,989.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$1,402.25
Prepaid interest, first (23 days)$1,989.88
Fees + prepaids$15,017.13
Your down payment is the seller’s equity. You take over the $463,027 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $66,989.81 is due at closing. Uses and sources reconcile at $530,017.13 each. Not a Closing Disclosure.