Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$66,723Cash toward the purchase price.
Closing costs + prepaids$15,061Not just lender fees.
Before credits & paid funds$81,784The complete starting cash picture.
Estimated remaining funds due at closing
$81,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,723.25
Your down payment$66,723.25
Closing costs + prepaids$15,060.83
Total buyer cash needed$81,784.08
Remaining funds due$81,784.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$528.50
Prepaid interest, first (29 days)$2,457.33
Fees + prepaids$15,060.83
Your down payment is the seller’s equity. You take over the $493,277 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $81,784.08 is due at closing. Uses and sources reconcile at $575,060.83 each. Not a Closing Disclosure.