Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$60,909Cash toward the purchase price.
Closing costs + prepaids$12,642Not just lender fees.
Before credits & paid funds$73,550The complete starting cash picture.
Estimated remaining funds due at closing
$73,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,908.61
Your down payment$60,908.61
Closing costs + prepaids$12,641.79
Total buyer cash needed$73,550.39
Remaining funds due$73,550.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$404.25
Prepaid interest, first (25 days)$1,713.54
Fees + prepaids$12,641.79
Your down payment is the seller’s equity. You take over the $368,991 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $73,550.39 is due at closing. Uses and sources reconcile at $442,541.79 each. Not a Closing Disclosure.