Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$52,919Cash toward the purchase price.
Closing costs + prepaids$12,353Not just lender fees.
Before credits & paid funds$65,272The complete starting cash picture.
Estimated remaining funds due at closing
$65,272No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,918.62
Your down payment$52,918.62
Closing costs + prepaids$12,353.13
Total buyer cash needed$65,271.75
Remaining funds due$65,271.75
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)$1,483.00
Prepaid interest, first (2 days)$145.13
Fees + prepaids$12,353.13
Your down payment is the seller’s equity. You take over the $397,081 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $65,271.75 is due at closing. Uses and sources reconcile at $462,353.13 each. Not a Closing Disclosure.