Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$55,813Cash toward the purchase price.
Closing costs + prepaids$13,157Not just lender fees.
Before credits & paid funds$68,970The complete starting cash picture.
Estimated remaining funds due at closing
$68,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,812.73
Your down payment$55,812.73
Closing costs + prepaids$13,157.00
Total buyer cash needed$68,969.73
Remaining funds due$68,969.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$899.00
Prepaid interest, first (24 days)$1,634.00
Fees + prepaids$13,157.00
Your down payment is the seller’s equity. You take over the $384,087 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $68,969.73 is due at closing. Uses and sources reconcile at $453,057.00 each. Not a Closing Disclosure.