Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$49,300Cash toward the purchase price.
Closing costs + prepaids$13,038Not just lender fees.
Before credits & paid funds$62,338The complete starting cash picture.
Estimated remaining funds due at closing
$62,338No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,299.73
Your down payment$49,299.73
Closing costs + prepaids$13,038.45
Total buyer cash needed$62,338.18
Remaining funds due$62,338.18
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)$326.25
Prepaid interest, first (30 days)$2,187.20
Fees + prepaids$13,038.45
Your down payment is the seller’s equity. You take over the $380,700 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $62,338.18 is due at closing. Uses and sources reconcile at $443,038.45 each. Not a Closing Disclosure.