Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$59,801Cash toward the purchase price.
Closing costs + prepaids$13,340Not just lender fees.
Before credits & paid funds$73,142The complete starting cash picture.
Estimated remaining funds due at closing
$73,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,801.38
Your down payment$59,801.38
Closing costs + prepaids$13,340.36
Total buyer cash needed$73,141.75
Remaining funds due$73,141.75
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)$509.75
Initial HOA (3 months)$150.00
Prepaid interest, first (26 days)$1,965.61
Fees + prepaids$13,340.36
Your down payment is the seller’s equity. You take over the $389,199 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $73,141.75 is due at closing. Uses and sources reconcile at $462,340.36 each. Not a Closing Disclosure.