Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$55,014Cash toward the purchase price.
Closing costs + prepaids$14,699Not just lender fees.
Before credits & paid funds$69,713The complete starting cash picture.
Estimated remaining funds due at closing
$69,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,013.57
Your down payment$55,013.57
Closing costs + prepaids$14,699.19
Total buyer cash needed$69,712.76
Remaining funds due$69,712.76
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)$1,371.00
Initial HOA (3 months)$480.00
Prepaid interest, first (30 days)$2,123.19
Fees + prepaids$14,699.19
Your down payment is the seller’s equity. You take over the $394,986 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $69,712.76 is due at closing. Uses and sources reconcile at $464,699.19 each. Not a Closing Disclosure.