Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$66,509Cash toward the purchase price.
Closing costs + prepaids$13,543Not just lender fees.
Before credits & paid funds$80,052The complete starting cash picture.
Estimated remaining funds due at closing
$80,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,508.84
Your down payment$66,508.84
Closing costs + prepaids$13,543.33
Total buyer cash needed$80,052.16
Remaining funds due$80,052.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$620.25
Initial HOA (3 months)$180.00
Prepaid interest, first (31 days)$2,219.08
Fees + prepaids$13,543.33
Your down payment is the seller’s equity. You take over the $363,391 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $80,052.16 is due at closing. Uses and sources reconcile at $443,443.33 each. Not a Closing Disclosure.