Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$61,808Cash toward the purchase price.
Closing costs + prepaids$12,906Not just lender fees.
Before credits & paid funds$74,714The complete starting cash picture.
Estimated remaining funds due at closing
$74,714No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,807.70
Your down payment$61,807.70
Closing costs + prepaids$12,906.34
Total buyer cash needed$74,714.03
Remaining funds due$74,714.03
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)$811.50
Initial HOA (3 months)$204.00
Prepaid interest, first (27 days)$1,415.85
Fees + prepaids$12,906.34
Your down payment is the seller’s equity. You take over the $363,191 balance, so the rest of the $424,999 price is paid at closing. A second mortgage can cover part of it. $74,714.03 is due at closing. Uses and sources reconcile at $437,905.34 each. Not a Closing Disclosure.