Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$62,923Cash toward the purchase price.
Closing costs + prepaids$14,250Not just lender fees.
Before credits & paid funds$77,174The complete starting cash picture.
Estimated remaining funds due at closing
$77,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,923.45
Your down payment$62,923.45
Closing costs + prepaids$14,250.34
Total buyer cash needed$77,173.79
Remaining funds due$77,173.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.00
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)$1,106.50
Initial HOA (3 months)$999.00
Prepaid interest, first (27 days)$1,670.84
Fees + prepaids$14,250.34
Your down payment is the seller’s equity. You take over the $361,977 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $77,173.79 is due at closing. Uses and sources reconcile at $439,150.34 each. Not a Closing Disclosure.