Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$59,992Cash toward the purchase price.
Closing costs + prepaids$13,470Not just lender fees.
Before credits & paid funds$73,462The complete starting cash picture.
Estimated remaining funds due at closing
$73,462No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,992.02
Your down payment$59,992.02
Closing costs + prepaids$13,469.53
Total buyer cash needed$73,461.54
Remaining funds due$73,461.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.99
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)$938.75
Prepaid interest, first (25 days)$1,805.79
Fees + prepaids$13,469.53
Your down payment is the seller’s equity. You take over the $390,007 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $73,461.54 is due at closing. Uses and sources reconcile at $463,468.53 each. Not a Closing Disclosure.