Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$62,047Cash toward the purchase price.
Closing costs + prepaids$11,855Not just lender fees.
Before credits & paid funds$73,902The complete starting cash picture.
Estimated remaining funds due at closing
$73,902No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,046.59
Your down payment$62,046.59
Closing costs + prepaids$11,855.19
Total buyer cash needed$73,901.79
Remaining funds due$73,901.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$348.50
Initial HOA (3 months)$150.00
Prepaid interest, first (27 days)$981.69
Fees + prepaids$11,855.19
Your down payment is the seller’s equity. You take over the $352,953 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $73,901.79 is due at closing. Uses and sources reconcile at $426,855.19 each. Not a Closing Disclosure.