Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$77,031Cash toward the purchase price.
Closing costs + prepaids$14,171Not just lender fees.
Before credits & paid funds$91,202The complete starting cash picture.
Estimated remaining funds due at closing
$91,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,030.97
Your down payment$77,030.97
Closing costs + prepaids$14,171.10
Total buyer cash needed$91,202.07
Remaining funds due$91,202.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$1,421.75
Initial HOA (3 months)$335.01
Prepaid interest, first (25 days)$1,699.34
Fees + prepaids$14,171.10
Your down payment is the seller’s equity. You take over the $371,969 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $91,202.07 is due at closing. Uses and sources reconcile at $463,171.10 each. Not a Closing Disclosure.