Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$59,568Cash toward the purchase price.
Closing costs + prepaids$13,750Not just lender fees.
Before credits & paid funds$73,318The complete starting cash picture.
Estimated remaining funds due at closing
$73,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,568.05
Your down payment$59,568.05
Closing costs + prepaids$13,749.80
Total buyer cash needed$73,317.85
Remaining funds due$73,317.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,655.00
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)$407.75
Prepaid interest, first (30 days)$2,212.05
Fees + prepaids$13,749.80
Your down payment is the seller’s equity. You take over the $405,932 balance, so the rest of the $465,500 price is paid at closing. A second mortgage can cover part of it. $73,317.85 is due at closing. Uses and sources reconcile at $479,249.80 each. Not a Closing Disclosure.