Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$54,361Cash toward the purchase price.
Closing costs + prepaids$13,384Not just lender fees.
Before credits & paid funds$67,745The complete starting cash picture.
Estimated remaining funds due at closing
$67,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,360.85
Your down payment$54,360.85
Closing costs + prepaids$13,384.11
Total buyer cash needed$67,744.96
Remaining funds due$67,744.96
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)$764.50
Initial HOA (3 months)$372.00
Prepaid interest, first (27 days)$1,532.61
Fees + prepaids$13,384.11
Your down payment is the seller’s equity. You take over the $394,639 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $67,744.96 is due at closing. Uses and sources reconcile at $462,384.11 each. Not a Closing Disclosure.