Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$69,285Cash toward the purchase price.
Closing costs + prepaids$13,087Not just lender fees.
Before credits & paid funds$82,372The complete starting cash picture.
Estimated remaining funds due at closing
$82,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,285.22
Your down payment$69,285.22
Closing costs + prepaids$13,086.57
Total buyer cash needed$82,371.79
Remaining funds due$82,371.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,849.00
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)$606.25
Prepaid interest, first (15 days)$1,156.32
Fees + prepaids$13,086.57
Your down payment is the seller’s equity. You take over the $415,615 balance, so the rest of the $484,900 price is paid at closing. A second mortgage can cover part of it. $82,371.79 is due at closing. Uses and sources reconcile at $497,986.57 each. Not a Closing Disclosure.