Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$65,460Cash toward the purchase price.
Closing costs + prepaids$11,668Not just lender fees.
Before credits & paid funds$77,128The complete starting cash picture.
Estimated remaining funds due at closing
$77,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,459.87
Your down payment$65,459.87
Closing costs + prepaids$11,668.41
Total buyer cash needed$77,128.27
Remaining funds due$77,128.27
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)$540.00
Initial HOA (3 months)$5.01
Prepaid interest, first (6 days)$399.40
Fees + prepaids$11,668.41
Your down payment is the seller’s equity. You take over the $384,440 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $77,128.27 is due at closing. Uses and sources reconcile at $461,568.41 each. Not a Closing Disclosure.