Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$65,045Cash toward the purchase price.
Closing costs + prepaids$13,083Not just lender fees.
Before credits & paid funds$78,127The complete starting cash picture.
Estimated remaining funds due at closing
$78,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,044.83
Your down payment$65,044.83
Closing costs + prepaids$13,082.64
Total buyer cash needed$78,127.46
Remaining funds due$78,127.46
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)$365.00
Initial HOA (3 months)$173.01
Prepaid interest, first (27 days)$1,819.63
Fees + prepaids$13,082.64
Your down payment is the seller’s equity. You take over the $384,955 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $78,127.46 is due at closing. Uses and sources reconcile at $463,082.64 each. Not a Closing Disclosure.