Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$59,058Cash toward the purchase price.
Closing costs + prepaids$13,776Not just lender fees.
Before credits & paid funds$72,834The complete starting cash picture.
Estimated remaining funds due at closing
$72,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,058.22
Your down payment$59,058.22
Closing costs + prepaids$13,775.65
Total buyer cash needed$72,833.87
Remaining funds due$72,833.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,189.00
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)$1,862.75
Initial HOA (3 months)$117.99
Prepaid interest, first (23 days)$1,380.91
Fees + prepaids$13,775.65
Your down payment is the seller’s equity. You take over the $359,842 balance, so the rest of the $418,900 price is paid at closing. A second mortgage can cover part of it. $72,833.87 is due at closing. Uses and sources reconcile at $432,675.65 each. Not a Closing Disclosure.