Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$55,575Cash toward the purchase price.
Closing costs + prepaids$13,826Not just lender fees.
Before credits & paid funds$69,402The complete starting cash picture.
Estimated remaining funds due at closing
$69,402No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,575.27
Your down payment$55,575.27
Closing costs + prepaids$13,826.41
Total buyer cash needed$69,401.67
Remaining funds due$69,401.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,549.00
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)$1,087.50
Prepaid interest, first (25 days)$1,714.91
Fees + prepaids$13,826.41
Your down payment is the seller’s equity. You take over the $399,325 balance, so the rest of the $454,900 price is paid at closing. A second mortgage can cover part of it. $69,401.67 is due at closing. Uses and sources reconcile at $468,726.41 each. Not a Closing Disclosure.