Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$58,162Cash toward the purchase price.
Closing costs + prepaids$14,059Not just lender fees.
Before credits & paid funds$72,221The complete starting cash picture.
Estimated remaining funds due at closing
$72,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,162.10
Your down payment$58,162.10
Closing costs + prepaids$14,059.38
Total buyer cash needed$72,221.48
Remaining funds due$72,221.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
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)$1,035.00
Initial HOA (3 months)$65.01
Prepaid interest, first (23 days)$1,894.37
Fees + prepaids$14,059.38
Your down payment is the seller’s equity. You take over the $400,838 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $72,221.48 is due at closing. Uses and sources reconcile at $473,059.38 each. Not a Closing Disclosure.