Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$57,850Cash toward the purchase price.
Closing costs + prepaids$13,183Not just lender fees.
Before credits & paid funds$71,033The complete starting cash picture.
Estimated remaining funds due at closing
$71,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,850.18
Your down payment$57,850.18
Closing costs + prepaids$13,183.02
Total buyer cash needed$71,033.20
Remaining funds due$71,033.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$431.00
Initial HOA (3 months)$402.00
Prepaid interest, first (19 days)$1,225.02
Fees + prepaids$13,183.02
Your down payment is the seller’s equity. You take over the $407,150 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $71,033.20 is due at closing. Uses and sources reconcile at $478,183.02 each. Not a Closing Disclosure.