Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$70,797Cash toward the purchase price.
Closing costs + prepaids$12,662Not just lender fees.
Before credits & paid funds$83,460The complete starting cash picture.
Estimated remaining funds due at closing
$83,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,797.27
Your down payment$70,797.27
Closing costs + prepaids$12,662.44
Total buyer cash needed$83,459.71
Remaining funds due$83,459.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,180.00
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)$621.50
Prepaid interest, first (6 days)$385.94
Fees + prepaids$12,662.44
Your down payment is the seller’s equity. You take over the $447,203 balance, so the rest of the $518,000 price is paid at closing. A second mortgage can cover part of it. $83,459.71 is due at closing. Uses and sources reconcile at $530,662.44 each. Not a Closing Disclosure.