Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$60,639Cash toward the purchase price.
Closing costs + prepaids$12,085Not just lender fees.
Before credits & paid funds$72,724The complete starting cash picture.
Estimated remaining funds due at closing
$72,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,638.87
Your down payment$60,638.87
Closing costs + prepaids$12,085.26
Total buyer cash needed$72,724.13
Remaining funds due$72,724.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$337.00
Prepaid interest, first (26 days)$1,073.26
Fees + prepaids$12,085.26
Your down payment is the seller’s equity. You take over the $384,361 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $72,724.13 is due at closing. Uses and sources reconcile at $457,085.26 each. Not a Closing Disclosure.