Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$53,368Cash toward the purchase price.
Closing costs + prepaids$14,133Not just lender fees.
Before credits & paid funds$67,501The complete starting cash picture.
Estimated remaining funds due at closing
$67,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,367.64
Your down payment$53,367.64
Closing costs + prepaids$14,132.86
Total buyer cash needed$67,500.51
Remaining funds due$67,500.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,395.00
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)$408.50
Prepaid interest, first (21 days)$1,854.36
Fees + prepaids$14,132.86
Your down payment is the seller’s equity. You take over the $486,132 balance, so the rest of the $539,500 price is paid at closing. A second mortgage can cover part of it. $67,500.51 is due at closing. Uses and sources reconcile at $553,632.86 each. Not a Closing Disclosure.