Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$67,557Cash toward the purchase price.
Closing costs + prepaids$15,460Not just lender fees.
Before credits & paid funds$83,017The complete starting cash picture.
Estimated remaining funds due at closing
$83,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,557.06
Your down payment$67,557.06
Closing costs + prepaids$15,460.04
Total buyer cash needed$83,017.11
Remaining funds due$83,017.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$2,623.75
Prepaid interest, first (31 days)$2,111.29
Fees + prepaids$15,460.04
Your down payment is the seller’s equity. You take over the $382,443 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $83,017.11 is due at closing. Uses and sources reconcile at $465,460.04 each. Not a Closing Disclosure.