Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$54,706Cash toward the purchase price.
Closing costs + prepaids$13,377Not just lender fees.
Before credits & paid funds$68,083The complete starting cash picture.
Estimated remaining funds due at closing
$68,083No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,706.05
Your down payment$54,706.05
Closing costs + prepaids$13,377.35
Total buyer cash needed$68,083.40
Remaining funds due$68,083.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,249.00
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)$630.00
Prepaid interest, first (12 days)$1,023.35
Fees + prepaids$13,377.35
Your down payment is the seller’s equity. You take over the $470,194 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $68,083.40 is due at closing. Uses and sources reconcile at $538,277.35 each. Not a Closing Disclosure.