Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$61,372Cash toward the purchase price.
Closing costs + prepaids$12,563Not just lender fees.
Before credits & paid funds$73,936The complete starting cash picture.
Estimated remaining funds due at closing
$73,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,372.32
Your down payment$61,372.32
Closing costs + prepaids$12,563.30
Total buyer cash needed$73,935.62
Remaining funds due$73,935.62
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)$661.50
Initial HOA (3 months)$39.99
Prepaid interest, first (25 days)$1,337.81
Fees + prepaids$12,563.30
Your down payment is the seller’s equity. You take over the $368,528 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $73,935.62 is due at closing. Uses and sources reconcile at $442,463.30 each. Not a Closing Disclosure.