Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$67,618Cash toward the purchase price.
Closing costs + prepaids$13,924Not just lender fees.
Before credits & paid funds$81,542The complete starting cash picture.
Estimated remaining funds due at closing
$81,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,617.75
Your down payment$67,617.75
Closing costs + prepaids$13,923.82
Total buyer cash needed$81,541.56
Remaining funds due$81,541.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$568.25
Prepaid interest, first (25 days)$1,880.57
Fees + prepaids$13,923.82
Your down payment is the seller’s equity. You take over the $432,382 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $81,541.56 is due at closing. Uses and sources reconcile at $513,923.82 each. Not a Closing Disclosure.