Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$63,430Cash toward the purchase price.
Closing costs + prepaids$11,519Not just lender fees.
Before credits & paid funds$74,949The complete starting cash picture.
Estimated remaining funds due at closing
$74,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,429.73
Your down payment$63,429.73
Closing costs + prepaids$11,519.05
Total buyer cash needed$74,948.78
Remaining funds due$74,948.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,240.00
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)$508.75
Prepaid interest, first (10 days)$545.30
Fees + prepaids$11,519.05
Your down payment is the seller’s equity. You take over the $360,570 balance, so the rest of the $424,000 price is paid at closing. A second mortgage can cover part of it. $74,948.78 is due at closing. Uses and sources reconcile at $435,519.05 each. Not a Closing Disclosure.