Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$51,519Cash toward the purchase price.
Closing costs + prepaids$12,881Not just lender fees.
Before credits & paid funds$64,400The complete starting cash picture.
Estimated remaining funds due at closing
$64,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,518.91
Your down payment$51,518.91
Closing costs + prepaids$12,881.15
Total buyer cash needed$64,400.06
Remaining funds due$64,400.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.99
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)$600.00
Prepaid interest, first (9 days)$806.16
Fees + prepaids$12,881.15
Your down payment is the seller’s equity. You take over the $448,480 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $64,400.06 is due at closing. Uses and sources reconcile at $512,880.15 each. Not a Closing Disclosure.