Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$70,111Cash toward the purchase price.
Closing costs + prepaids$13,228Not just lender fees.
Before credits & paid funds$83,339The complete starting cash picture.
Estimated remaining funds due at closing
$83,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,111.16
Your down payment$70,111.16
Closing costs + prepaids$13,228.07
Total buyer cash needed$83,339.23
Remaining funds due$83,339.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
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)$612.50
Prepaid interest, first (16 days)$1,240.57
Fees + prepaids$13,228.07
Your down payment is the seller’s equity. You take over the $419,889 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $83,339.23 is due at closing. Uses and sources reconcile at $503,228.07 each. Not a Closing Disclosure.