Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$55,138Cash toward the purchase price.
Closing costs + prepaids$14,385Not just lender fees.
Before credits & paid funds$69,523The complete starting cash picture.
Estimated remaining funds due at closing
$69,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,138.21
Your down payment$55,138.21
Closing costs + prepaids$14,384.98
Total buyer cash needed$69,523.19
Remaining funds due$69,523.19
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)$1,660.00
Prepaid interest, first (31 days)$2,199.98
Fees + prepaids$14,384.98
Your down payment is the seller’s equity. You take over the $374,862 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $69,523.19 is due at closing. Uses and sources reconcile at $444,384.98 each. Not a Closing Disclosure.