Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$45,502Cash toward the purchase price.
Closing costs + prepaids$12,154Not just lender fees.
Before credits & paid funds$57,657The complete starting cash picture.
Estimated remaining funds due at closing
$57,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,502.25
Your down payment$45,502.25
Closing costs + prepaids$12,154.44
Total buyer cash needed$57,656.69
Remaining funds due$57,656.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$1,147.25
Prepaid interest, first (4 days)$283.19
Fees + prepaids$12,154.44
Your down payment is the seller’s equity. You take over the $404,398 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $57,656.69 is due at closing. Uses and sources reconcile at $462,054.44 each. Not a Closing Disclosure.