Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$72,398Cash toward the purchase price.
Closing costs + prepaids$13,097Not just lender fees.
Before credits & paid funds$85,495The complete starting cash picture.
Estimated remaining funds due at closing
$85,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,397.99
Your down payment$72,397.99
Closing costs + prepaids$13,096.59
Total buyer cash needed$85,494.58
Remaining funds due$85,494.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$499.00
Initial HOA (3 months)$195.00
Prepaid interest, first (30 days)$1,678.59
Fees + prepaids$13,096.59
Your down payment is the seller’s equity. You take over the $377,502 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $85,494.58 is due at closing. Uses and sources reconcile at $462,996.59 each. Not a Closing Disclosure.