Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$58,100Cash toward the purchase price.
Closing costs + prepaids$14,170Not just lender fees.
Before credits & paid funds$72,270The complete starting cash picture.
Estimated remaining funds due at closing
$72,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,099.69
Your down payment$58,099.69
Closing costs + prepaids$14,170.32
Total buyer cash needed$72,270.01
Remaining funds due$72,270.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,555.67
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)$1,183.75
Initial HOA (3 months)$231.00
Prepaid interest, first (22 days)$1,724.90
Fees + prepaids$14,170.32
Your down payment is the seller’s equity. You take over the $397,467 balance, so the rest of the $455,567 price is paid at closing. A second mortgage can cover part of it. $72,270.01 is due at closing. Uses and sources reconcile at $469,737.32 each. Not a Closing Disclosure.