Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$65,014Cash toward the purchase price.
Closing costs + prepaids$11,722Not just lender fees.
Before credits & paid funds$76,736The complete starting cash picture.
Estimated remaining funds due at closing
$76,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,014.16
Your down payment$65,014.16
Closing costs + prepaids$11,721.59
Total buyer cash needed$76,735.75
Remaining funds due$76,735.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,271.87
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)$108.75
Initial HOA (3 months)$471.00
Prepaid interest, first (20 days)$644.97
Fees + prepaids$11,721.59
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $427,187 price is paid at closing. A second mortgage can cover part of it. $76,735.75 is due at closing. Uses and sources reconcile at $438,908.59 each. Not a Closing Disclosure.