Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$51,240Cash toward the purchase price.
Closing costs + prepaids$13,204Not just lender fees.
Before credits & paid funds$64,444The complete starting cash picture.
Estimated remaining funds due at closing
$64,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,240.45
Your down payment$51,240.45
Closing costs + prepaids$13,203.99
Total buyer cash needed$64,444.44
Remaining funds due$64,444.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$624.00
Prepaid interest, first (12 days)$905.99
Fees + prepaids$13,203.99
Your down payment is the seller’s equity. You take over the $468,660 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $64,444.44 is due at closing. Uses and sources reconcile at $533,103.99 each. Not a Closing Disclosure.