Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$64,573Cash toward the purchase price.
Closing costs + prepaids$12,300Not just lender fees.
Before credits & paid funds$76,873The complete starting cash picture.
Estimated remaining funds due at closing
$76,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,572.99
Your down payment$64,572.99
Closing costs + prepaids$12,300.26
Total buyer cash needed$76,873.25
Remaining funds due$76,873.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$1,490.75
Prepaid interest, first (6 days)$385.51
Fees + prepaids$12,300.26
Your down payment is the seller’s equity. You take over the $355,327 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $76,873.25 is due at closing. Uses and sources reconcile at $432,200.26 each. Not a Closing Disclosure.