Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$52,460Cash toward the purchase price.
Closing costs + prepaids$13,685Not just lender fees.
Before credits & paid funds$66,145The complete starting cash picture.
Estimated remaining funds due at closing
$66,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,459.61
Your down payment$52,459.61
Closing costs + prepaids$13,685.07
Total buyer cash needed$66,144.68
Remaining funds due$66,144.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$840.75
Initial HOA (3 months)$780.00
Prepaid interest, first (18 days)$1,349.32
Fees + prepaids$13,685.07
Your down payment is the seller’s equity. You take over the $396,540 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $66,144.68 is due at closing. Uses and sources reconcile at $462,685.07 each. Not a Closing Disclosure.