Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$68,112Cash toward the purchase price.
Closing costs + prepaids$16,212Not just lender fees.
Before credits & paid funds$84,324The complete starting cash picture.
Estimated remaining funds due at closing
$84,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,111.74
Your down payment$68,111.74
Closing costs + prepaids$16,212.15
Total buyer cash needed$84,323.89
Remaining funds due$84,323.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.99
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)$1,753.00
Prepaid interest, first (28 days)$2,484.16
Fees + prepaids$16,212.15
Your down payment is the seller’s equity. You take over the $481,887 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $84,323.89 is due at closing. Uses and sources reconcile at $566,211.15 each. Not a Closing Disclosure.