Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$52,542Cash toward the purchase price.
Closing costs + prepaids$13,977Not just lender fees.
Before credits & paid funds$66,519The complete starting cash picture.
Estimated remaining funds due at closing
$66,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,542.25
Your down payment$52,542.25
Closing costs + prepaids$13,977.01
Total buyer cash needed$66,519.26
Remaining funds due$66,519.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$1,360.00
Prepaid interest, first (25 days)$1,892.01
Fees + prepaids$13,977.01
Your down payment is the seller’s equity. You take over the $397,458 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $66,519.26 is due at closing. Uses and sources reconcile at $463,977.01 each. Not a Closing Disclosure.