Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$54,261Cash toward the purchase price.
Closing costs + prepaids$14,090Not just lender fees.
Before credits & paid funds$68,350The complete starting cash picture.
Estimated remaining funds due at closing
$68,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,260.74
Your down payment$54,260.74
Closing costs + prepaids$14,089.71
Total buyer cash needed$68,350.45
Remaining funds due$68,350.45
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)$218.25
Initial HOA (3 months)$870.00
Prepaid interest, first (31 days)$2,286.46
Fees + prepaids$14,089.71
Your down payment is the seller’s equity. You take over the $394,739 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $68,350.45 is due at closing. Uses and sources reconcile at $463,089.71 each. Not a Closing Disclosure.