Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$58,976Cash toward the purchase price.
Closing costs + prepaids$13,167Not just lender fees.
Before credits & paid funds$72,143The complete starting cash picture.
Estimated remaining funds due at closing
$72,143No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,975.76
Your down payment$58,975.76
Closing costs + prepaids$13,166.99
Total buyer cash needed$72,142.76
Remaining funds due$72,142.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,470.00
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)$397.50
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$1,774.49
Fees + prepaids$13,166.99
Your down payment is the seller’s equity. You take over the $388,024 balance, so the rest of the $447,000 price is paid at closing. A second mortgage can cover part of it. $72,142.76 is due at closing. Uses and sources reconcile at $460,166.99 each. Not a Closing Disclosure.