Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$58,278Cash toward the purchase price.
Closing costs + prepaids$13,050Not just lender fees.
Before credits & paid funds$71,328The complete starting cash picture.
Estimated remaining funds due at closing
$71,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,278.06
Your down payment$58,278.06
Closing costs + prepaids$13,049.87
Total buyer cash needed$71,327.93
Remaining funds due$71,327.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,140.00
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)$1,035.00
Prepaid interest, first (27 days)$1,649.87
Fees + prepaids$13,049.87
Your down payment is the seller’s equity. You take over the $355,722 balance, so the rest of the $414,000 price is paid at closing. A second mortgage can cover part of it. $71,327.93 is due at closing. Uses and sources reconcile at $427,049.87 each. Not a Closing Disclosure.