Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$70,403Cash toward the purchase price.
Closing costs + prepaids$15,085Not just lender fees.
Before credits & paid funds$85,487The complete starting cash picture.
Estimated remaining funds due at closing
$85,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,402.79
Your down payment$70,402.79
Closing costs + prepaids$15,084.58
Total buyer cash needed$85,487.37
Remaining funds due$85,487.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,970.00
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)$1,360.50
Prepaid interest, first (30 days)$2,279.08
Fees + prepaids$15,084.58
Your down payment is the seller’s equity. You take over the $426,597 balance, so the rest of the $497,000 price is paid at closing. A second mortgage can cover part of it. $85,487.37 is due at closing. Uses and sources reconcile at $512,084.58 each. Not a Closing Disclosure.