Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$54,368Cash toward the purchase price.
Closing costs + prepaids$12,526Not just lender fees.
Before credits & paid funds$66,895The complete starting cash picture.
Estimated remaining funds due at closing
$66,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,368.09
Your down payment$54,368.09
Closing costs + prepaids$12,526.47
Total buyer cash needed$66,894.57
Remaining funds due$66,894.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,349.90
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)$564.75
Initial HOA (3 months)$324.00
Prepaid interest, first (26 days)$1,062.82
Fees + prepaids$12,526.47
Your down payment is the seller’s equity. You take over the $380,622 balance, so the rest of the $434,990 price is paid at closing. A second mortgage can cover part of it. $66,894.57 is due at closing. Uses and sources reconcile at $447,516.47 each. Not a Closing Disclosure.