Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$69,287Cash toward the purchase price.
Closing costs + prepaids$14,067Not just lender fees.
Before credits & paid funds$83,354The complete starting cash picture.
Estimated remaining funds due at closing
$83,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,286.90
Your down payment$69,286.90
Closing costs + prepaids$14,066.66
Total buyer cash needed$83,353.57
Remaining funds due$83,353.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,090.00
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)$611.50
Prepaid interest, first (30 days)$1,890.16
Fees + prepaids$14,066.66
Your down payment is the seller’s equity. You take over the $439,713 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $83,353.57 is due at closing. Uses and sources reconcile at $523,066.66 each. Not a Closing Disclosure.