Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$59,602Cash toward the purchase price.
Closing costs + prepaids$12,309Not just lender fees.
Before credits & paid funds$71,911The complete starting cash picture.
Estimated remaining funds due at closing
$71,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,602.49
Your down payment$59,602.49
Closing costs + prepaids$12,308.68
Total buyer cash needed$71,911.18
Remaining funds due$71,911.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,295.00
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)$326.25
Initial HOA (3 months)$144.99
Prepaid interest, first (20 days)$1,317.44
Fees + prepaids$12,308.68
Your down payment is the seller’s equity. You take over the $369,898 balance, so the rest of the $429,500 price is paid at closing. A second mortgage can cover part of it. $71,911.18 is due at closing. Uses and sources reconcile at $441,808.68 each. Not a Closing Disclosure.