Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$54,842Cash toward the purchase price.
Closing costs + prepaids$13,663Not just lender fees.
Before credits & paid funds$68,505The complete starting cash picture.
Estimated remaining funds due at closing
$68,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,842.43
Your down payment$54,842.43
Closing costs + prepaids$13,662.63
Total buyer cash needed$68,505.07
Remaining funds due$68,505.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.99
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)$1,075.00
Prepaid interest, first (29 days)$2,062.64
Fees + prepaids$13,662.63
Your down payment is the seller’s equity. You take over the $375,157 balance, so the rest of the $429,999 price is paid at closing. A second mortgage can cover part of it. $68,505.07 is due at closing. Uses and sources reconcile at $443,661.63 each. Not a Closing Disclosure.