Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$53,186Cash toward the purchase price.
Closing costs + prepaids$12,495Not just lender fees.
Before credits & paid funds$65,681The complete starting cash picture.
Estimated remaining funds due at closing
$65,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,185.80
Your down payment$53,185.80
Closing costs + prepaids$12,494.76
Total buyer cash needed$65,680.56
Remaining funds due$65,680.56
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)$348.75
Prepaid interest, first (25 days)$1,721.01
Fees + prepaids$12,494.76
Your down payment is the seller’s equity. You take over the $366,814 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $65,680.56 is due at closing. Uses and sources reconcile at $432,494.76 each. Not a Closing Disclosure.