Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$51,973Cash toward the purchase price.
Closing costs + prepaids$15,709Not just lender fees.
Before credits & paid funds$67,682The complete starting cash picture.
Estimated remaining funds due at closing
$67,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,972.68
Your down payment$51,972.68
Closing costs + prepaids$15,709.26
Total buyer cash needed$67,681.94
Remaining funds due$67,681.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$1,402.25
Prepaid interest, first (31 days)$2,682.01
Fees + prepaids$15,709.26
Your down payment is the seller’s equity. You take over the $463,027 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $67,681.94 is due at closing. Uses and sources reconcile at $530,709.26 each. Not a Closing Disclosure.