Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$67,989Cash toward the purchase price.
Closing costs + prepaids$13,798Not just lender fees.
Before credits & paid funds$81,787The complete starting cash picture.
Estimated remaining funds due at closing
$81,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,989.34
Your down payment$67,989.34
Closing costs + prepaids$13,797.84
Total buyer cash needed$81,787.18
Remaining funds due$81,787.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$1,500.00
Prepaid interest, first (26 days)$1,572.84
Fees + prepaids$13,797.84
Your down payment is the seller’s equity. You take over the $382,011 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $81,787.18 is due at closing. Uses and sources reconcile at $463,797.84 each. Not a Closing Disclosure.