Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$53,125Cash toward the purchase price.
Closing costs + prepaids$13,869Not just lender fees.
Before credits & paid funds$66,994The complete starting cash picture.
Estimated remaining funds due at closing
$66,994No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,124.58
Your down payment$53,124.58
Closing costs + prepaids$13,868.96
Total buyer cash needed$66,993.54
Remaining funds due$66,993.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.00
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)$672.00
Prepaid interest, first (12 days)$1,122.96
Fees + prepaids$13,868.96
Your down payment is the seller’s equity. You take over the $506,775 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $66,993.54 is due at closing. Uses and sources reconcile at $573,768.96 each. Not a Closing Disclosure.