Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$57,923Cash toward the purchase price.
Closing costs + prepaids$11,637Not just lender fees.
Before credits & paid funds$69,560The complete starting cash picture.
Estimated remaining funds due at closing
$69,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,922.84
Your down payment$57,922.84
Closing costs + prepaids$11,636.82
Total buyer cash needed$69,559.66
Remaining funds due$69,559.66
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)$538.75
Initial HOA (3 months)$47.49
Prepaid interest, first (6 days)$335.58
Fees + prepaids$11,636.82
Your down payment is the seller’s equity. You take over the $391,077 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $69,559.66 is due at closing. Uses and sources reconcile at $460,636.82 each. Not a Closing Disclosure.