Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$53,518Cash toward the purchase price.
Closing costs + prepaids$11,513Not just lender fees.
Before credits & paid funds$65,031The complete starting cash picture.
Estimated remaining funds due at closing
$65,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,517.82
Your down payment$53,517.82
Closing costs + prepaids$11,512.71
Total buyer cash needed$65,030.53
Remaining funds due$65,030.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,080.00
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)$510.00
Initial HOA (3 months)$57.51
Prepaid interest, first (16 days)$640.20
Fees + prepaids$11,512.71
Your down payment is the seller’s equity. You take over the $354,482 balance, so the rest of the $408,000 price is paid at closing. A second mortgage can cover part of it. $65,030.53 is due at closing. Uses and sources reconcile at $419,512.71 each. Not a Closing Disclosure.