Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$58,008Cash toward the purchase price.
Closing costs + prepaids$13,160Not just lender fees.
Before credits & paid funds$71,168The complete starting cash picture.
Estimated remaining funds due at closing
$71,168No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,008.42
Your down payment$58,008.42
Closing costs + prepaids$13,159.71
Total buyer cash needed$71,168.13
Remaining funds due$71,168.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,333.75
Initial HOA (3 months)$333.00
Prepaid interest, first (30 days)$968.96
Fees + prepaids$13,159.71
Your down payment is the seller’s equity. You take over the $371,892 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $71,168.13 is due at closing. Uses and sources reconcile at $443,059.71 each. Not a Closing Disclosure.