Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$63,183Cash toward the purchase price.
Closing costs + prepaids$12,578Not just lender fees.
Before credits & paid funds$75,761The complete starting cash picture.
Estimated remaining funds due at closing
$75,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,183.18
Your down payment$63,183.18
Closing costs + prepaids$12,577.91
Total buyer cash needed$75,761.09
Remaining funds due$75,761.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$513.50
Prepaid interest, first (27 days)$1,739.41
Fees + prepaids$12,577.91
Your down payment is the seller’s equity. You take over the $346,817 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $75,761.09 is due at closing. Uses and sources reconcile at $422,577.91 each. Not a Closing Disclosure.