Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$49,707Cash toward the purchase price.
Closing costs + prepaids$10,566Not just lender fees.
Before credits & paid funds$60,272The complete starting cash picture.
Estimated remaining funds due at closing
$60,272No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,706.54
Your down payment$49,706.54
Closing costs + prepaids$10,565.59
Total buyer cash needed$60,272.12
Remaining funds due$60,272.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.99
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)$194.50
Prepaid interest, first (1 days)$46.10
Fees + prepaids$10,565.59
Your down payment is the seller’s equity. You take over the $360,292 balance, so the rest of the $409,999 price is paid at closing. A second mortgage can cover part of it. $60,272.12 is due at closing. Uses and sources reconcile at $420,564.59 each. Not a Closing Disclosure.