Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$54,214Cash toward the purchase price.
Closing costs + prepaids$17,075Not just lender fees.
Before credits & paid funds$71,289The complete starting cash picture.
Estimated remaining funds due at closing
$71,289No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,214.39
Your down payment$54,214.39
Closing costs + prepaids$17,074.73
Total buyer cash needed$71,289.12
Remaining funds due$71,289.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$3,068.25
Prepaid interest, first (29 days)$2,331.48
Fees + prepaids$17,074.73
Your down payment is the seller’s equity. You take over the $465,786 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $71,289.12 is due at closing. Uses and sources reconcile at $537,074.73 each. Not a Closing Disclosure.