Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$55,829Cash toward the purchase price.
Closing costs + prepaids$12,557Not just lender fees.
Before credits & paid funds$68,386The complete starting cash picture.
Estimated remaining funds due at closing
$68,386No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,828.76
Your down payment$55,828.76
Closing costs + prepaids$12,556.89
Total buyer cash needed$68,385.65
Remaining funds due$68,385.65
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)$566.25
Prepaid interest, first (14 days)$985.64
Fees + prepaids$12,556.89
Your down payment is the seller’s equity. You take over the $397,171 balance, so the rest of the $453,000 price is paid at closing. A second mortgage can cover part of it. $68,385.65 is due at closing. Uses and sources reconcile at $465,556.89 each. Not a Closing Disclosure.