Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$52,577Cash toward the purchase price.
Closing costs + prepaids$11,048Not just lender fees.
Before credits & paid funds$63,625The complete starting cash picture.
Estimated remaining funds due at closing
$63,625No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,577.04
Your down payment$52,577.04
Closing costs + prepaids$11,048.27
Total buyer cash needed$63,625.31
Remaining funds due$63,625.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$384.50
Prepaid interest, first (2 days)$138.77
Fees + prepaids$11,048.27
Your down payment is the seller’s equity. You take over the $377,423 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $63,625.31 is due at closing. Uses and sources reconcile at $441,048.27 each. Not a Closing Disclosure.