Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$50,297Cash toward the purchase price.
Closing costs + prepaids$15,302Not just lender fees.
Before credits & paid funds$65,599The complete starting cash picture.
Estimated remaining funds due at closing
$65,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,297.28
Your down payment$50,297.28
Closing costs + prepaids$15,301.99
Total buyer cash needed$65,599.27
Remaining funds due$65,599.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,349.00
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)$1,436.50
Initial HOA (3 months)$1,104.00
Prepaid interest, first (30 days)$2,187.49
Fees + prepaids$15,301.99
Your down payment is the seller’s equity. You take over the $384,603 balance, so the rest of the $434,900 price is paid at closing. A second mortgage can cover part of it. $65,599.27 is due at closing. Uses and sources reconcile at $450,201.99 each. Not a Closing Disclosure.