Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$58,976Cash toward the purchase price.
Closing costs + prepaids$12,757Not just lender fees.
Before credits & paid funds$71,733The complete starting cash picture.
Estimated remaining funds due at closing
$71,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,975.76
Your down payment$58,975.76
Closing costs + prepaids$12,757.49
Total buyer cash needed$71,733.26
Remaining funds due$71,733.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,470.00
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)$397.50
Initial HOA (3 months)$300.00
Prepaid interest, first (20 days)$1,364.99
Fees + prepaids$12,757.49
Your down payment is the seller’s equity. You take over the $388,024 balance, so the rest of the $447,000 price is paid at closing. A second mortgage can cover part of it. $71,733.26 is due at closing. Uses and sources reconcile at $459,757.49 each. Not a Closing Disclosure.