Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$61,874Cash toward the purchase price.
Closing costs + prepaids$11,996Not just lender fees.
Before credits & paid funds$73,871The complete starting cash picture.
Estimated remaining funds due at closing
$73,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,874.42
Your down payment$61,874.42
Closing costs + prepaids$11,996.26
Total buyer cash needed$73,870.68
Remaining funds due$73,870.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$457.25
Prepaid interest, first (1 days)$74.01
Fees + prepaids$11,996.26
Your down payment is the seller’s equity. You take over the $437,126 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $73,870.68 is due at closing. Uses and sources reconcile at $510,996.26 each. Not a Closing Disclosure.