Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$49,828Cash toward the purchase price.
Closing costs + prepaids$11,733Not just lender fees.
Before credits & paid funds$61,560The complete starting cash picture.
Estimated remaining funds due at closing
$61,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,827.59
Your down payment$49,827.59
Closing costs + prepaids$11,732.64
Total buyer cash needed$61,560.23
Remaining funds due$61,560.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,175.00
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)$501.00
Prepaid interest, first (12 days)$831.64
Fees + prepaids$11,732.64
Your down payment is the seller’s equity. You take over the $367,672 balance, so the rest of the $417,500 price is paid at closing. A second mortgage can cover part of it. $61,560.23 is due at closing. Uses and sources reconcile at $429,232.64 each. Not a Closing Disclosure.