Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$59,343Cash toward the purchase price.
Closing costs + prepaids$12,538Not just lender fees.
Before credits & paid funds$71,881The complete starting cash picture.
Estimated remaining funds due at closing
$71,881No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,342.81
Your down payment$59,342.81
Closing costs + prepaids$12,538.27
Total buyer cash needed$71,881.08
Remaining funds due$71,881.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$900.00
Initial HOA (3 months)$110.01
Prepaid interest, first (26 days)$813.26
Fees + prepaids$12,538.27
Your down payment is the seller’s equity. You take over the $389,657 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $71,881.08 is due at closing. Uses and sources reconcile at $461,538.27 each. Not a Closing Disclosure.