Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$59,186Cash toward the purchase price.
Closing costs + prepaids$11,315Not just lender fees.
Before credits & paid funds$70,502The complete starting cash picture.
Estimated remaining funds due at closing
$70,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,186.44
Your down payment$59,186.44
Closing costs + prepaids$11,315.41
Total buyer cash needed$70,501.85
Remaining funds due$70,501.85
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)$475.75
Initial HOA (3 months)$318.00
Prepaid interest, first (2 days)$106.66
Fees + prepaids$11,315.41
Your down payment is the seller’s equity. You take over the $359,814 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $70,501.85 is due at closing. Uses and sources reconcile at $430,315.41 each. Not a Closing Disclosure.