Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$70,942Cash toward the purchase price.
Closing costs + prepaids$13,023Not just lender fees.
Before credits & paid funds$83,965The complete starting cash picture.
Estimated remaining funds due at closing
$83,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,942.48
Your down payment$70,942.48
Closing costs + prepaids$13,022.57
Total buyer cash needed$83,965.05
Remaining funds due$83,965.05
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)$416.00
Initial HOA (3 months)$137.49
Prepaid interest, first (27 days)$1,744.08
Fees + prepaids$13,022.57
Your down payment is the seller’s equity. You take over the $379,058 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $83,965.05 is due at closing. Uses and sources reconcile at $463,022.57 each. Not a Closing Disclosure.