Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$52,801Cash toward the purchase price.
Closing costs + prepaids$13,101Not just lender fees.
Before credits & paid funds$65,903The complete starting cash picture.
Estimated remaining funds due at closing
$65,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,801.31
Your down payment$52,801.31
Closing costs + prepaids$13,101.41
Total buyer cash needed$65,902.72
Remaining funds due$65,902.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$91.50
Prepaid interest, first (31 days)$2,294.91
Fees + prepaids$13,101.41
Your down payment is the seller’s equity. You take over the $396,199 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $65,902.72 is due at closing. Uses and sources reconcile at $462,101.41 each. Not a Closing Disclosure.