Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$51,947Cash toward the purchase price.
Closing costs + prepaids$12,379Not just lender fees.
Before credits & paid funds$64,326The complete starting cash picture.
Estimated remaining funds due at closing
$64,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,947.05
Your down payment$51,947.05
Closing costs + prepaids$12,378.60
Total buyer cash needed$64,325.64
Remaining funds due$64,325.64
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)$1,050.00
Prepaid interest, first (29 days)$903.60
Fees + prepaids$12,378.60
Your down payment is the seller’s equity. You take over the $368,053 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $64,325.64 is due at closing. Uses and sources reconcile at $432,378.60 each. Not a Closing Disclosure.