Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$70,517Cash toward the purchase price.
Closing costs + prepaids$16,771Not just lender fees.
Before credits & paid funds$87,289The complete starting cash picture.
Estimated remaining funds due at closing
$87,289No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,517.48
Your down payment$70,517.48
Closing costs + prepaids$16,771.32
Total buyer cash needed$87,288.80
Remaining funds due$87,288.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,649.00
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)$1,943.25
Prepaid interest, first (31 days)$2,704.07
Fees + prepaids$16,771.32
Your down payment is the seller’s equity. You take over the $494,383 balance, so the rest of the $564,900 price is paid at closing. A second mortgage can cover part of it. $87,288.80 is due at closing. Uses and sources reconcile at $581,671.32 each. Not a Closing Disclosure.