Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$58,689Cash toward the purchase price.
Closing costs + prepaids$14,225Not just lender fees.
Before credits & paid funds$72,914The complete starting cash picture.
Estimated remaining funds due at closing
$72,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,688.69
Your down payment$58,688.69
Closing costs + prepaids$14,224.90
Total buyer cash needed$72,913.58
Remaining funds due$72,913.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$1,214.75
Initial HOA (3 months)$195.00
Prepaid interest, first (22 days)$1,741.15
Fees + prepaids$14,224.90
Your down payment is the seller’s equity. You take over the $401,211 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $72,913.58 is due at closing. Uses and sources reconcile at $474,124.90 each. Not a Closing Disclosure.