Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$74,752Cash toward the purchase price.
Closing costs + prepaids$12,961Not just lender fees.
Before credits & paid funds$87,714The complete starting cash picture.
Estimated remaining funds due at closing
$87,714No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,752.35
Your down payment$74,752.35
Closing costs + prepaids$12,961.48
Total buyer cash needed$87,713.83
Remaining funds due$87,713.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,105.00
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)$618.25
Initial HOA (3 months)$200.01
Prepaid interest, first (28 days)$1,813.22
Fees + prepaids$12,961.48
Your down payment is the seller’s equity. You take over the $335,748 balance, so the rest of the $410,500 price is paid at closing. A second mortgage can cover part of it. $87,713.83 is due at closing. Uses and sources reconcile at $423,461.48 each. Not a Closing Disclosure.