Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$54,582Cash toward the purchase price.
Closing costs + prepaids$12,542Not just lender fees.
Before credits & paid funds$67,124The complete starting cash picture.
Estimated remaining funds due at closing
$67,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,581.63
Your down payment$54,581.63
Closing costs + prepaids$12,541.95
Total buyer cash needed$67,123.58
Remaining funds due$67,123.58
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 (12 days)$501.70
Fees + prepaids$12,541.95
Your down payment is the seller’s equity. You take over the $442,318 balance, so the rest of the $496,900 price is paid at closing. A second mortgage can cover part of it. $67,123.58 is due at closing. Uses and sources reconcile at $509,441.95 each. Not a Closing Disclosure.