Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$60,943Cash toward the purchase price.
Closing costs + prepaids$13,699Not just lender fees.
Before credits & paid funds$74,642The complete starting cash picture.
Estimated remaining funds due at closing
$74,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,943.42
Your down payment$60,943.42
Closing costs + prepaids$13,698.86
Total buyer cash needed$74,642.28
Remaining funds due$74,642.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,550.00
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)$1,293.00
Initial HOA (3 months)$37.50
Prepaid interest, first (23 days)$1,343.36
Fees + prepaids$13,698.86
Your down payment is the seller’s equity. You take over the $394,057 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $74,642.28 is due at closing. Uses and sources reconcile at $468,698.86 each. Not a Closing Disclosure.