Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$52,968Cash toward the purchase price.
Closing costs + prepaids$12,462Not just lender fees.
Before credits & paid funds$65,430The complete starting cash picture.
Estimated remaining funds due at closing
$65,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,968.14
Your down payment$52,968.14
Closing costs + prepaids$12,462.19
Total buyer cash needed$65,430.33
Remaining funds due$65,430.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$492.00
Initial HOA (3 months)$1,080.00
Prepaid interest, first (9 days)$565.19
Fees + prepaids$12,462.19
Your down payment is the seller’s equity. You take over the $357,032 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $65,430.33 is due at closing. Uses and sources reconcile at $422,462.19 each. Not a Closing Disclosure.