Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$52,085Cash toward the purchase price.
Closing costs + prepaids$12,698Not just lender fees.
Before credits & paid funds$64,783The complete starting cash picture.
Estimated remaining funds due at closing
$64,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,084.94
Your down payment$52,084.94
Closing costs + prepaids$12,698.03
Total buyer cash needed$64,782.97
Remaining funds due$64,782.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$634.25
Prepaid interest, first (26 days)$1,738.78
Fees + prepaids$12,698.03
Your down payment is the seller’s equity. You take over the $357,915 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $64,782.97 is due at closing. Uses and sources reconcile at $422,698.03 each. Not a Closing Disclosure.