Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$58,827Cash toward the purchase price.
Closing costs + prepaids$12,905Not just lender fees.
Before credits & paid funds$71,731The complete starting cash picture.
Estimated remaining funds due at closing
$71,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,826.55
Your down payment$58,826.55
Closing costs + prepaids$12,904.53
Total buyer cash needed$71,731.08
Remaining funds due$71,731.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.95
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)$299.00
Prepaid interest, first (30 days)$2,080.58
Fees + prepaids$12,904.53
Your down payment is the seller’s equity. You take over the $371,168 balance, so the rest of the $429,995 price is paid at closing. A second mortgage can cover part of it. $71,731.08 is due at closing. Uses and sources reconcile at $442,899.53 each. Not a Closing Disclosure.