Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$55,862Cash toward the purchase price.
Closing costs + prepaids$13,098Not just lender fees.
Before credits & paid funds$68,959The complete starting cash picture.
Estimated remaining funds due at closing
$68,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,861.60
Your down payment$55,861.60
Closing costs + prepaids$13,097.58
Total buyer cash needed$68,959.17
Remaining funds due$68,959.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,198.88
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)$396.25
Initial HOA (3 months)$201.00
Prepaid interest, first (30 days)$2,076.45
Fees + prepaids$13,097.58
Your down payment is the seller’s equity. You take over the $364,026 balance, so the rest of the $419,888 price is paid at closing. A second mortgage can cover part of it. $68,959.17 is due at closing. Uses and sources reconcile at $432,985.58 each. Not a Closing Disclosure.