Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$65,045Cash toward the purchase price.
Closing costs + prepaids$12,045Not just lender fees.
Before credits & paid funds$77,089The complete starting cash picture.
Estimated remaining funds due at closing
$77,089No 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$12,044.55
Total buyer cash needed$77,089.38
Remaining funds due$77,089.38
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)$540.00
Initial HOA (3 months)$173.01
Prepaid interest, first (9 days)$606.54
Fees + prepaids$12,044.55
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. $77,089.38 is due at closing. Uses and sources reconcile at $462,044.55 each. Not a Closing Disclosure.