Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$51,098Cash toward the purchase price.
Closing costs + prepaids$12,170Not just lender fees.
Before credits & paid funds$63,268The complete starting cash picture.
Estimated remaining funds due at closing
$63,268No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,098.21
Your down payment$51,098.21
Closing costs + prepaids$12,170.23
Total buyer cash needed$63,268.44
Remaining funds due$63,268.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.99
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)$301.75
Prepaid interest, first (18 days)$1,343.49
Fees + prepaids$12,170.23
Your down payment is the seller’s equity. You take over the $378,901 balance, so the rest of the $429,999 price is paid at closing. A second mortgage can cover part of it. $63,268.44 is due at closing. Uses and sources reconcile at $442,169.23 each. Not a Closing Disclosure.