Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$50,926Cash toward the purchase price.
Closing costs + prepaids$12,876Not just lender fees.
Before credits & paid funds$63,802The complete starting cash picture.
Estimated remaining funds due at closing
$63,802No 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$12,876.30
Total buyer cash needed$63,802.27
Remaining funds due$63,802.27
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 (19 days)$1,377.30
Fees + prepaids$12,876.30
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. $63,802.27 is due at closing. Uses and sources reconcile at $462,876.30 each. Not a Closing Disclosure.