Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$59,621Cash toward the purchase price.
Closing costs + prepaids$13,749Not just lender fees.
Before credits & paid funds$73,369The complete starting cash picture.
Estimated remaining funds due at closing
$73,369No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,620.83
Your down payment$59,620.83
Closing costs + prepaids$13,748.62
Total buyer cash needed$73,369.45
Remaining funds due$73,369.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.99
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)$1,125.00
Prepaid interest, first (28 days)$1,898.63
Fees + prepaids$13,748.62
Your down payment is the seller’s equity. You take over the $390,378 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $73,369.45 is due at closing. Uses and sources reconcile at $463,747.62 each. Not a Closing Disclosure.