Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$36,675Cash toward the purchase price.
Closing costs + prepaids$13,528Not just lender fees.
Before credits & paid funds$50,203The complete starting cash picture.
Estimated remaining funds due at closing
$50,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,675.29
Your down payment$36,675.29
Closing costs + prepaids$13,527.55
Total buyer cash needed$50,202.84
Remaining funds due$50,202.84
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)$365.25
Initial HOA (3 months)$87.00
Prepaid interest, first (31 days)$2,360.30
Fees + prepaids$13,527.55
Your down payment is the seller’s equity. You take over the $412,325 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $50,202.84 is due at closing. Uses and sources reconcile at $462,527.55 each. Not a Closing Disclosure.