Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$67,037Cash toward the purchase price.
Closing costs + prepaids$15,577Not just lender fees.
Before credits & paid funds$82,614The complete starting cash picture.
Estimated remaining funds due at closing
$82,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,037.13
Your down payment$67,037.13
Closing costs + prepaids$15,576.75
Total buyer cash needed$82,613.89
Remaining funds due$82,613.89
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)$2,228.00
Fees + prepaids$15,576.75
Your down payment is the seller’s equity. You take over the $382,963 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $82,613.89 is due at closing. Uses and sources reconcile at $465,576.75 each. Not a Closing Disclosure.