Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$56,148Cash toward the purchase price.
Closing costs + prepaids$13,611Not just lender fees.
Before credits & paid funds$69,759The complete starting cash picture.
Estimated remaining funds due at closing
$69,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,147.70
Your down payment$56,147.70
Closing costs + prepaids$13,610.81
Total buyer cash needed$69,758.51
Remaining funds due$69,758.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,225.00
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)$695.00
Initial HOA (3 months)$378.00
Prepaid interest, first (31 days)$2,087.81
Fees + prepaids$13,610.81
Your down payment is the seller’s equity. You take over the $366,352 balance, so the rest of the $422,500 price is paid at closing. A second mortgage can cover part of it. $69,758.51 is due at closing. Uses and sources reconcile at $436,110.81 each. Not a Closing Disclosure.