Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$61,823Cash toward the purchase price.
Closing costs + prepaids$13,656Not just lender fees.
Before credits & paid funds$75,479The complete starting cash picture.
Estimated remaining funds due at closing
$75,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,822.53
Your down payment$61,822.53
Closing costs + prepaids$13,656.25
Total buyer cash needed$75,478.78
Remaining funds due$75,478.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$518.00
Prepaid interest, first (22 days)$1,673.25
Fees + prepaids$13,656.25
Your down payment is the seller’s equity. You take over the $437,177 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $75,478.78 is due at closing. Uses and sources reconcile at $512,656.25 each. Not a Closing Disclosure.