Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$72,598Cash toward the purchase price.
Closing costs + prepaids$12,981Not just lender fees.
Before credits & paid funds$85,579The complete starting cash picture.
Estimated remaining funds due at closing
$85,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,597.95
Your down payment$72,597.95
Closing costs + prepaids$12,981.26
Total buyer cash needed$85,579.22
Remaining funds due$85,579.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,285.00
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)$522.25
Initial HOA (3 months)$150.00
Prepaid interest, first (30 days)$1,799.01
Fees + prepaids$12,981.26
Your down payment is the seller’s equity. You take over the $355,902 balance, so the rest of the $428,500 price is paid at closing. A second mortgage can cover part of it. $85,579.22 is due at closing. Uses and sources reconcile at $441,481.26 each. Not a Closing Disclosure.