Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$54,514Cash toward the purchase price.
Closing costs + prepaids$13,854Not just lender fees.
Before credits & paid funds$68,367The complete starting cash picture.
Estimated remaining funds due at closing
$68,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,513.74
Your down payment$54,513.74
Closing costs + prepaids$13,853.63
Total buyer cash needed$68,367.37
Remaining funds due$68,367.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$764.50
Initial HOA (3 months)$204.00
Prepaid interest, first (23 days)$1,811.13
Fees + prepaids$13,853.63
Your down payment is the seller’s equity. You take over the $405,386 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $68,367.37 is due at closing. Uses and sources reconcile at $473,753.63 each. Not a Closing Disclosure.