Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$69,607Cash toward the purchase price.
Closing costs + prepaids$11,949Not just lender fees.
Before credits & paid funds$81,556The complete starting cash picture.
Estimated remaining funds due at closing
$81,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,606.99
Your down payment$69,606.99
Closing costs + prepaids$11,948.96
Total buyer cash needed$81,555.95
Remaining funds due$81,555.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,190.00
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)$11.75
Initial HOA (3 months)$300.00
Prepaid interest, first (19 days)$1,222.21
Fees + prepaids$11,948.96
Your down payment is the seller’s equity. You take over the $349,393 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $81,555.95 is due at closing. Uses and sources reconcile at $430,948.96 each. Not a Closing Disclosure.