Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$71,628Cash toward the purchase price.
Closing costs + prepaids$11,420Not just lender fees.
Before credits & paid funds$83,048The complete starting cash picture.
Estimated remaining funds due at closing
$83,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,628.05
Your down payment$71,628.05
Closing costs + prepaids$11,420.26
Total buyer cash needed$83,048.31
Remaining funds due$83,048.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,235.00
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)$508.25
Initial HOA (3 months)$120.00
Prepaid interest, first (12 days)$332.01
Fees + prepaids$11,420.26
Your down payment is the seller’s equity. You take over the $351,872 balance, so the rest of the $423,500 price is paid at closing. A second mortgage can cover part of it. $83,048.31 is due at closing. Uses and sources reconcile at $434,920.26 each. Not a Closing Disclosure.