Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$55,099Cash toward the purchase price.
Closing costs + prepaids$13,618Not just lender fees.
Before credits & paid funds$68,717The complete starting cash picture.
Estimated remaining funds due at closing
$68,717No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,099.10
Your down payment$55,099.10
Closing costs + prepaids$13,617.87
Total buyer cash needed$68,716.97
Remaining funds due$68,716.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.90
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)$966.00
Initial HOA (3 months)$195.00
Prepaid interest, first (30 days)$1,931.97
Fees + prepaids$13,617.87
Your down payment is the seller’s equity. You take over the $374,891 balance, so the rest of the $429,990 price is paid at closing. A second mortgage can cover part of it. $68,716.97 is due at closing. Uses and sources reconcile at $443,607.87 each. Not a Closing Disclosure.