Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$57,762Cash toward the purchase price.
Closing costs + prepaids$13,354Not just lender fees.
Before credits & paid funds$71,116The complete starting cash picture.
Estimated remaining funds due at closing
$71,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,761.98
Your down payment$57,761.98
Closing costs + prepaids$13,354.15
Total buyer cash needed$71,116.14
Remaining funds due$71,116.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$429.25
Initial HOA (3 months)$240.00
Prepaid interest, first (27 days)$1,960.90
Fees + prepaids$13,354.15
Your down payment is the seller’s equity. You take over the $392,138 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $71,116.14 is due at closing. Uses and sources reconcile at $463,254.15 each. Not a Closing Disclosure.