Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$51,013Cash toward the purchase price.
Closing costs + prepaids$14,269Not just lender fees.
Before credits & paid funds$65,282The complete starting cash picture.
Estimated remaining funds due at closing
$65,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,012.78
Your down payment$51,012.78
Closing costs + prepaids$14,269.42
Total buyer cash needed$65,282.20
Remaining funds due$65,282.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,249.90
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)$565.50
Prepaid interest, first (24 days)$1,979.02
Fees + prepaids$14,269.42
Your down payment is the seller’s equity. You take over the $473,977 balance, so the rest of the $524,990 price is paid at closing. A second mortgage can cover part of it. $65,282.20 is due at closing. Uses and sources reconcile at $539,259.42 each. Not a Closing Disclosure.