Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$59,768Cash toward the purchase price.
Closing costs + prepaids$10,768Not just lender fees.
Before credits & paid funds$70,536The complete starting cash picture.
Estimated remaining funds due at closing
$70,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,767.75
Your down payment$59,767.75
Closing costs + prepaids$10,767.85
Total buyer cash needed$70,535.61
Remaining funds due$70,535.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$381.50
Prepaid interest, first (1 days)$62.35
Fees + prepaids$10,767.85
Your down payment is the seller’s equity. You take over the $350,132 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $70,535.61 is due at closing. Uses and sources reconcile at $420,667.85 each. Not a Closing Disclosure.