Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$66,805Cash toward the purchase price.
Closing costs + prepaids$12,876Not just lender fees.
Before credits & paid funds$79,680The complete starting cash picture.
Estimated remaining funds due at closing
$79,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,804.55
Your down payment$66,804.55
Closing costs + prepaids$12,875.55
Total buyer cash needed$79,680.10
Remaining funds due$79,680.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,295.00
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)$635.50
Prepaid interest, first (12 days)$470.05
Fees + prepaids$12,875.55
Your down payment is the seller’s equity. You take over the $462,695 balance, so the rest of the $529,500 price is paid at closing. A second mortgage can cover part of it. $79,680.10 is due at closing. Uses and sources reconcile at $542,375.55 each. Not a Closing Disclosure.