Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$45,584Cash toward the purchase price.
Closing costs + prepaids$12,271Not just lender fees.
Before credits & paid funds$57,855The complete starting cash picture.
Estimated remaining funds due at closing
$57,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,583.67
Your down payment$45,583.67
Closing costs + prepaids$12,271.38
Total buyer cash needed$57,855.05
Remaining funds due$57,855.05
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)$1,147.50
Prepaid interest, first (5 days)$398.88
Fees + prepaids$12,271.38
Your down payment is the seller’s equity. You take over the $404,416 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $57,855.05 is due at closing. Uses and sources reconcile at $462,271.38 each. Not a Closing Disclosure.