Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$59,669Cash toward the purchase price.
Closing costs + prepaids$11,631Not just lender fees.
Before credits & paid funds$71,300The complete starting cash picture.
Estimated remaining funds due at closing
$71,300No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,668.95
Your down payment$59,668.95
Closing costs + prepaids$11,631.50
Total buyer cash needed$71,300.45
Remaining funds due$71,300.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$1,067.50
Prepaid interest, first (2 days)$139.00
Fees + prepaids$11,631.50
Your down payment is the seller’s equity. You take over the $360,331 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $71,300.45 is due at closing. Uses and sources reconcile at $431,631.50 each. Not a Closing Disclosure.