Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$50,926Cash toward the purchase price.
Closing costs + prepaids$12,949Not just lender fees.
Before credits & paid funds$63,875The complete starting cash picture.
Estimated remaining funds due at closing
$63,875No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,925.97
Your down payment$50,925.97
Closing costs + prepaids$12,948.79
Total buyer cash needed$63,874.76
Remaining funds due$63,874.76
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)$567.00
Initial HOA (3 months)$207.00
Prepaid interest, first (20 days)$1,449.79
Fees + prepaids$12,948.79
Your down payment is the seller’s equity. You take over the $399,074 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $63,874.76 is due at closing. Uses and sources reconcile at $462,948.79 each. Not a Closing Disclosure.