Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$60,109Cash toward the purchase price.
Closing costs + prepaids$12,138Not just lender fees.
Before credits & paid funds$72,247The complete starting cash picture.
Estimated remaining funds due at closing
$72,247No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,109.29
Your down payment$60,109.29
Closing costs + prepaids$12,138.20
Total buyer cash needed$72,247.50
Remaining funds due$72,247.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$381.50
Prepaid interest, first (23 days)$1,432.70
Fees + prepaids$12,138.20
Your down payment is the seller’s equity. You take over the $349,791 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $72,247.50 is due at closing. Uses and sources reconcile at $422,038.20 each. Not a Closing Disclosure.