Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$63,605Cash toward the purchase price.
Closing costs + prepaids$12,967Not just lender fees.
Before credits & paid funds$76,572The complete starting cash picture.
Estimated remaining funds due at closing
$76,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,604.67
Your down payment$63,604.67
Closing costs + prepaids$12,967.35
Total buyer cash needed$76,572.02
Remaining funds due$76,572.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$1,687.00
Prepaid interest, first (24 days)$855.35
Fees + prepaids$12,967.35
Your down payment is the seller’s equity. You take over the $356,395 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $76,572.02 is due at closing. Uses and sources reconcile at $432,967.35 each. Not a Closing Disclosure.