Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$51,808Cash toward the purchase price.
Closing costs + prepaids$11,706Not just lender fees.
Before credits & paid funds$63,514The complete starting cash picture.
Estimated remaining funds due at closing
$63,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,807.70
Your down payment$51,807.70
Closing costs + prepaids$11,706.26
Total buyer cash needed$63,513.95
Remaining funds due$63,513.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.99
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)$498.00
Initial HOA (3 months)$204.00
Prepaid interest, first (12 days)$629.27
Fees + prepaids$11,706.26
Your down payment is the seller’s equity. You take over the $363,191 balance, so the rest of the $414,999 price is paid at closing. A second mortgage can cover part of it. $63,513.95 is due at closing. Uses and sources reconcile at $426,705.26 each. Not a Closing Disclosure.