Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$64,674Cash toward the purchase price.
Closing costs + prepaids$12,977Not just lender fees.
Before credits & paid funds$77,651The complete starting cash picture.
Estimated remaining funds due at closing
$77,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,673.87
Your down payment$64,673.87
Closing costs + prepaids$12,976.88
Total buyer cash needed$77,650.75
Remaining funds due$77,650.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,190.00
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)$454.75
Initial HOA (3 months)$153.00
Prepaid interest, first (30 days)$1,954.13
Fees + prepaids$12,976.88
Your down payment is the seller’s equity. You take over the $354,326 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $77,650.75 is due at closing. Uses and sources reconcile at $431,976.88 each. Not a Closing Disclosure.