Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$61,166Cash toward the purchase price.
Closing costs + prepaids$12,578Not just lender fees.
Before credits & paid funds$73,744The complete starting cash picture.
Estimated remaining funds due at closing
$73,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,166.18
Your down payment$61,166.18
Closing costs + prepaids$12,577.94
Total buyer cash needed$73,744.12
Remaining funds due$73,744.12
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)$337.25
Initial HOA (3 months)$229.26
Prepaid interest, first (21 days)$1,296.43
Fees + prepaids$12,577.94
Your down payment is the seller’s equity. You take over the $387,834 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $73,744.12 is due at closing. Uses and sources reconcile at $461,577.94 each. Not a Closing Disclosure.