Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$57,199Cash toward the purchase price.
Closing costs + prepaids$11,551Not just lender fees.
Before credits & paid funds$68,749The complete starting cash picture.
Estimated remaining funds due at closing
$68,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,198.82
Your down payment$57,198.82
Closing costs + prepaids$11,550.64
Total buyer cash needed$68,749.46
Remaining funds due$68,749.46
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)$498.00
Initial HOA (3 months)$51.24
Prepaid interest, first (10 days)$626.40
Fees + prepaids$11,550.64
Your down payment is the seller’s equity. You take over the $357,801 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $68,749.46 is due at closing. Uses and sources reconcile at $426,550.64 each. Not a Closing Disclosure.