Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$56,033Cash toward the purchase price.
Closing costs + prepaids$11,869Not just lender fees.
Before credits & paid funds$67,903The complete starting cash picture.
Estimated remaining funds due at closing
$67,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,033.42
Your down payment$56,033.42
Closing costs + prepaids$11,869.29
Total buyer cash needed$67,902.71
Remaining funds due$67,902.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.99
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)$510.00
Prepaid interest, first (12 days)$884.30
Fees + prepaids$11,869.29
Your down payment is the seller’s equity. You take over the $368,966 balance, so the rest of the $424,999 price is paid at closing. A second mortgage can cover part of it. $67,902.71 is due at closing. Uses and sources reconcile at $436,868.29 each. Not a Closing Disclosure.