Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$35,942Cash toward the purchase price.
Closing costs + prepaids$13,911Not just lender fees.
Before credits & paid funds$49,853The complete starting cash picture.
Estimated remaining funds due at closing
$49,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,941.96
Your down payment$35,941.96
Closing costs + prepaids$13,910.85
Total buyer cash needed$49,852.81
Remaining funds due$49,852.81
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)$1,074.50
Initial HOA (3 months)$525.00
Prepaid interest, first (23 days)$1,586.35
Fees + prepaids$13,910.85
Your down payment is the seller’s equity. You take over the $414,058 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $49,852.81 is due at closing. Uses and sources reconcile at $463,910.85 each. Not a Closing Disclosure.