Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$50,559Cash toward the purchase price.
Closing costs + prepaids$14,122Not just lender fees.
Before credits & paid funds$64,680The complete starting cash picture.
Estimated remaining funds due at closing
$64,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,558.65
Your down payment$50,558.65
Closing costs + prepaids$14,121.51
Total buyer cash needed$64,680.15
Remaining funds due$64,680.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,850.00
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)$254.25
Prepaid interest, first (31 days)$2,542.26
Fees + prepaids$14,121.51
Your down payment is the seller’s equity. You take over the $434,441 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $64,680.15 is due at closing. Uses and sources reconcile at $499,121.51 each. Not a Closing Disclosure.