Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$70,382Cash toward the purchase price.
Closing costs + prepaids$12,747Not just lender fees.
Before credits & paid funds$83,129The complete starting cash picture.
Estimated remaining funds due at closing
$83,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,382.19
Your down payment$70,382.19
Closing costs + prepaids$12,746.62
Total buyer cash needed$83,128.81
Remaining funds due$83,128.81
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)$600.00
Prepaid interest, first (9 days)$671.62
Fees + prepaids$12,746.62
Your down payment is the seller’s equity. You take over the $429,618 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $83,128.81 is due at closing. Uses and sources reconcile at $512,746.62 each. Not a Closing Disclosure.