Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$60,827Cash toward the purchase price.
Closing costs + prepaids$14,253Not just lender fees.
Before credits & paid funds$75,080The complete starting cash picture.
Estimated remaining funds due at closing
$75,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,827.16
Your down payment$60,827.16
Closing costs + prepaids$14,252.96
Total buyer cash needed$75,080.13
Remaining funds due$75,080.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,230.00
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)$1,057.50
Initial HOA (3 months)$2,031.00
Prepaid interest, first (22 days)$709.46
Fees + prepaids$14,252.96
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $423,000 price is paid at closing. A second mortgage can cover part of it. $75,080.13 is due at closing. Uses and sources reconcile at $437,252.96 each. Not a Closing Disclosure.