Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$57,458Cash toward the purchase price.
Closing costs + prepaids$13,855Not just lender fees.
Before credits & paid funds$71,312The complete starting cash picture.
Estimated remaining funds due at closing
$71,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,457.84
Your down payment$57,457.84
Closing costs + prepaids$13,854.53
Total buyer cash needed$71,312.36
Remaining funds due$71,312.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,570.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$768.25
Prepaid interest, first (28 days)$2,041.28
Fees + prepaids$13,854.53
Your down payment is the seller’s equity. You take over the $399,542 balance, so the rest of the $457,000 price is paid at closing. A second mortgage can cover part of it. $71,312.36 is due at closing. Uses and sources reconcile at $470,854.53 each. Not a Closing Disclosure.