Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$58,631Cash toward the purchase price.
Closing costs + prepaids$12,965Not just lender fees.
Before credits & paid funds$71,596The complete starting cash picture.
Estimated remaining funds due at closing
$71,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,630.50
Your down payment$58,630.50
Closing costs + prepaids$12,965.48
Total buyer cash needed$71,595.98
Remaining funds due$71,595.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$540.00
Initial HOA (3 months)$417.00
Prepaid interest, first (18 days)$1,283.48
Fees + prepaids$12,965.48
Your down payment is the seller’s equity. You take over the $391,369 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $71,595.98 is due at closing. Uses and sources reconcile at $462,965.48 each. Not a Closing Disclosure.