Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$59,602Cash toward the purchase price.
Closing costs + prepaids$12,243Not just lender fees.
Before credits & paid funds$71,845The complete starting cash picture.
Estimated remaining funds due at closing
$71,845No 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$12,242.81
Total buyer cash needed$71,845.30
Remaining funds due$71,845.30
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 (19 days)$1,251.57
Fees + prepaids$12,242.81
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. $71,845.30 is due at closing. Uses and sources reconcile at $441,742.81 each. Not a Closing Disclosure.