Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$54,514Cash toward the purchase price.
Closing costs + prepaids$12,955Not just lender fees.
Before credits & paid funds$67,469The complete starting cash picture.
Estimated remaining funds due at closing
$67,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,513.74
Your down payment$54,513.74
Closing costs + prepaids$12,955.43
Total buyer cash needed$67,469.17
Remaining funds due$67,469.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$575.00
Initial HOA (3 months)$204.00
Prepaid interest, first (14 days)$1,102.43
Fees + prepaids$12,955.43
Your down payment is the seller’s equity. You take over the $405,386 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $67,469.17 is due at closing. Uses and sources reconcile at $472,855.43 each. Not a Closing Disclosure.