Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$72,555Cash toward the purchase price.
Closing costs + prepaids$15,157Not just lender fees.
Before credits & paid funds$87,713The complete starting cash picture.
Estimated remaining funds due at closing
$87,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,555.46
Your down payment$72,555.46
Closing costs + prepaids$15,157.09
Total buyer cash needed$87,712.55
Remaining funds due$87,712.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.50
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)$1,425.00
Prepaid interest, first (18 days)$1,557.59
Fees + prepaids$15,157.09
Your down payment is the seller’s equity. You take over the $497,395 balance, so the rest of the $569,950 price is paid at closing. A second mortgage can cover part of it. $87,712.55 is due at closing. Uses and sources reconcile at $585,107.09 each. Not a Closing Disclosure.