Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$50,317Cash toward the purchase price.
Closing costs + prepaids$11,762Not just lender fees.
Before credits & paid funds$62,079The complete starting cash picture.
Estimated remaining funds due at closing
$62,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,317.48
Your down payment$50,317.48
Closing costs + prepaids$11,762.02
Total buyer cash needed$62,079.49
Remaining funds due$62,079.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.99
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)$194.50
Prepaid interest, first (27 days)$1,242.53
Fees + prepaids$11,762.02
Your down payment is the seller’s equity. You take over the $359,682 balance, so the rest of the $409,999 price is paid at closing. A second mortgage can cover part of it. $62,079.49 is due at closing. Uses and sources reconcile at $421,761.02 each. Not a Closing Disclosure.