Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$39,652Cash toward the purchase price.
Closing costs + prepaids$13,543Not just lender fees.
Before credits & paid funds$53,195The complete starting cash picture.
Estimated remaining funds due at closing
$53,195No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,652.04
Your down payment$39,652.04
Closing costs + prepaids$13,543.42
Total buyer cash needed$53,195.45
Remaining funds due$53,195.45
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)$451.25
Initial HOA (3 months)$60.00
Prepaid interest, first (31 days)$2,307.17
Fees + prepaids$13,543.42
Your down payment is the seller’s equity. You take over the $410,348 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $53,195.45 is due at closing. Uses and sources reconcile at $463,543.42 each. Not a Closing Disclosure.