Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$58,631Cash toward the purchase price.
Closing costs + prepaids$12,786Not just lender fees.
Before credits & paid funds$71,417The complete starting cash picture.
Estimated remaining funds due at closing
$71,417No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,630.50
Your down payment$58,630.50
Closing costs + prepaids$12,786.23
Total buyer cash needed$71,416.73
Remaining funds due$71,416.73
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)$360.75
Initial HOA (3 months)$417.00
Prepaid interest, first (18 days)$1,283.48
Fees + prepaids$12,786.23
Your down payment is the seller’s equity. You take over the $391,369 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $71,416.73 is due at closing. Uses and sources reconcile at $462,786.23 each. Not a Closing Disclosure.