Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$67,207Cash toward the purchase price.
Closing costs + prepaids$12,027Not just lender fees.
Before credits & paid funds$79,234The complete starting cash picture.
Estimated remaining funds due at closing
$79,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,206.98
Your down payment$67,206.98
Closing costs + prepaids$12,027.49
Total buyer cash needed$79,234.47
Remaining funds due$79,234.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$300.25
Prepaid interest, first (27 days)$1,302.24
Fees + prepaids$12,027.49
Your down payment is the seller’s equity. You take over the $352,793 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $79,234.47 is due at closing. Uses and sources reconcile at $432,027.49 each. Not a Closing Disclosure.