Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$62,727Cash toward the purchase price.
Closing costs + prepaids$13,414Not just lender fees.
Before credits & paid funds$76,140The complete starting cash picture.
Estimated remaining funds due at closing
$76,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,726.58
Your down payment$62,726.58
Closing costs + prepaids$13,413.53
Total buyer cash needed$76,140.12
Remaining funds due$76,140.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,530.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,132.50
Prepaid interest, first (18 days)$1,276.03
Fees + prepaids$13,413.53
Your down payment is the seller’s equity. You take over the $390,273 balance, so the rest of the $453,000 price is paid at closing. A second mortgage can cover part of it. $76,140.12 is due at closing. Uses and sources reconcile at $466,413.53 each. Not a Closing Disclosure.