Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$56,926Cash toward the purchase price.
Closing costs + prepaids$10,485Not just lender fees.
Before credits & paid funds$67,411The complete starting cash picture.
Estimated remaining funds due at closing
$67,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,925.87
Your down payment$56,925.87
Closing costs + prepaids$10,484.82
Total buyer cash needed$67,410.69
Remaining funds due$67,410.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$28.50
Prepaid interest, first (1 days)$32.32
Fees + prepaids$10,484.82
Your down payment is the seller’s equity. You take over the $362,974 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $67,410.69 is due at closing. Uses and sources reconcile at $430,384.82 each. Not a Closing Disclosure.