Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$61,817Cash toward the purchase price.
Closing costs + prepaids$11,704Not just lender fees.
Before credits & paid funds$73,522The complete starting cash picture.
Estimated remaining funds due at closing
$73,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,817.16
Your down payment$61,817.16
Closing costs + prepaids$11,704.35
Total buyer cash needed$73,521.51
Remaining funds due$73,521.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,239.90
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)$53.75
Initial HOA (3 months)$186.00
Prepaid interest, first (31 days)$999.70
Fees + prepaids$11,704.35
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $423,990 price is paid at closing. A second mortgage can cover part of it. $73,521.51 is due at closing. Uses and sources reconcile at $435,694.35 each. Not a Closing Disclosure.