Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$55,493Cash toward the purchase price.
Closing costs + prepaids$13,497Not just lender fees.
Before credits & paid funds$68,991The complete starting cash picture.
Estimated remaining funds due at closing
$68,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,493.32
Your down payment$55,493.32
Closing costs + prepaids$13,497.46
Total buyer cash needed$68,990.78
Remaining funds due$68,990.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$937.00
Prepaid interest, first (27 days)$1,936.46
Fees + prepaids$13,497.46
Your down payment is the seller’s equity. You take over the $384,407 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $68,990.78 is due at closing. Uses and sources reconcile at $453,397.46 each. Not a Closing Disclosure.