Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$56,386Cash toward the purchase price.
Closing costs + prepaids$11,129Not just lender fees.
Before credits & paid funds$67,515The complete starting cash picture.
Estimated remaining funds due at closing
$67,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,385.79
Your down payment$56,385.79
Closing costs + prepaids$11,128.90
Total buyer cash needed$67,514.69
Remaining funds due$67,514.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,180.00
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)$501.50
Initial HOA (3 months)$50.01
Prepaid interest, first (6 days)$172.39
Fees + prepaids$11,128.90
Your down payment is the seller’s equity. You take over the $361,614 balance, so the rest of the $418,000 price is paid at closing. A second mortgage can cover part of it. $67,514.69 is due at closing. Uses and sources reconcile at $429,128.90 each. Not a Closing Disclosure.