Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$64,112Cash toward the purchase price.
Closing costs + prepaids$12,013Not just lender fees.
Before credits & paid funds$76,125The complete starting cash picture.
Estimated remaining funds due at closing
$76,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,112.20
Your down payment$64,112.20
Closing costs + prepaids$12,013.05
Total buyer cash needed$76,125.25
Remaining funds due$76,125.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$518.75
Initial HOA (3 months)$75.00
Prepaid interest, first (17 days)$1,044.30
Fees + prepaids$12,013.05
Your down payment is the seller’s equity. You take over the $350,888 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $76,125.25 is due at closing. Uses and sources reconcile at $427,013.05 each. Not a Closing Disclosure.