Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$62,671Cash toward the purchase price.
Closing costs + prepaids$14,162Not just lender fees.
Before credits & paid funds$76,833The complete starting cash picture.
Estimated remaining funds due at closing
$76,833No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,670.56
Your down payment$62,670.56
Closing costs + prepaids$14,162.42
Total buyer cash needed$76,832.98
Remaining funds due$76,832.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,969.00
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)$424.50
Prepaid interest, first (31 days)$2,293.92
Fees + prepaids$14,162.42
Your down payment is the seller’s equity. You take over the $434,229 balance, so the rest of the $496,900 price is paid at closing. A second mortgage can cover part of it. $76,832.98 is due at closing. Uses and sources reconcile at $511,062.42 each. Not a Closing Disclosure.