Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$70,606Cash toward the purchase price.
Closing costs + prepaids$12,076Not just lender fees.
Before credits & paid funds$82,682The complete starting cash picture.
Estimated remaining funds due at closing
$82,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,605.99
Your down payment$70,605.99
Closing costs + prepaids$12,075.60
Total buyer cash needed$82,681.59
Remaining funds due$82,681.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.99
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)$11.75
Initial HOA (3 months)$288.00
Prepaid interest, first (21 days)$1,350.86
Fees + prepaids$12,075.60
Your down payment is the seller’s equity. You take over the $349,393 balance, so the rest of the $419,999 price is paid at closing. A second mortgage can cover part of it. $82,681.59 is due at closing. Uses and sources reconcile at $432,074.60 each. Not a Closing Disclosure.