Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$59,472Cash toward the purchase price.
Closing costs + prepaids$13,702Not just lender fees.
Before credits & paid funds$73,175The complete starting cash picture.
Estimated remaining funds due at closing
$73,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,472.45
Your down payment$59,472.45
Closing costs + prepaids$13,702.40
Total buyer cash needed$73,174.85
Remaining funds due$73,174.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,880.00
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)$290.00
Prepaid interest, first (26 days)$2,057.40
Fees + prepaids$13,702.40
Your down payment is the seller’s equity. You take over the $428,528 balance, so the rest of the $488,000 price is paid at closing. A second mortgage can cover part of it. $73,174.85 is due at closing. Uses and sources reconcile at $501,702.40 each. Not a Closing Disclosure.