Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$54,591Cash toward the purchase price.
Closing costs + prepaids$11,725Not just lender fees.
Before credits & paid funds$66,317The complete starting cash picture.
Estimated remaining funds due at closing
$66,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,591.25
Your down payment$54,591.25
Closing costs + prepaids$11,725.47
Total buyer cash needed$66,316.72
Remaining funds due$66,316.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$504.00
Prepaid interest, first (12 days)$797.47
Fees + prepaids$11,725.47
Your down payment is the seller’s equity. You take over the $365,309 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $66,316.72 is due at closing. Uses and sources reconcile at $431,625.47 each. Not a Closing Disclosure.