Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$62,671Cash toward the purchase price.
Closing costs + prepaids$12,780Not just lender fees.
Before credits & paid funds$75,451The complete starting cash picture.
Estimated remaining funds due at closing
$75,451No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,670.56
Your down payment$62,670.56
Closing costs + prepaids$12,780.22
Total buyer cash needed$75,450.78
Remaining funds due$75,450.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,969.00
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)$596.25
Prepaid interest, first (10 days)$739.97
Fees + prepaids$12,780.22
Your down payment is the seller’s equity. You take over the $434,229 balance, so the rest of the $496,900 price is paid at closing. A second mortgage can cover part of it. $75,450.78 is due at closing. Uses and sources reconcile at $509,680.22 each. Not a Closing Disclosure.