Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$52,821Cash toward the purchase price.
Closing costs + prepaids$12,563Not just lender fees.
Before credits & paid funds$65,383The complete starting cash picture.
Estimated remaining funds due at closing
$65,383No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,820.80
Your down payment$52,820.80
Closing costs + prepaids$12,562.56
Total buyer cash needed$65,383.36
Remaining funds due$65,383.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$527.50
Prepaid interest, first (25 days)$1,710.06
Fees + prepaids$12,562.56
Your down payment is the seller’s equity. You take over the $357,179 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $65,383.36 is due at closing. Uses and sources reconcile at $422,562.56 each. Not a Closing Disclosure.