Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$66,304Cash toward the purchase price.
Closing costs + prepaids$12,031Not just lender fees.
Before credits & paid funds$78,335The complete starting cash picture.
Estimated remaining funds due at closing
$78,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,303.98
Your down payment$66,303.98
Closing costs + prepaids$12,030.78
Total buyer cash needed$78,334.76
Remaining funds due$78,334.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.90
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)$528.00
Initial HOA (3 months)$255.00
Prepaid interest, first (9 days)$622.88
Fees + prepaids$12,030.78
Your down payment is the seller’s equity. You take over the $373,686 balance, so the rest of the $439,990 price is paid at closing. A second mortgage can cover part of it. $78,334.76 is due at closing. Uses and sources reconcile at $452,020.78 each. Not a Closing Disclosure.