Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$59,976Cash toward the purchase price.
Closing costs + prepaids$13,518Not just lender fees.
Before credits & paid funds$73,494The complete starting cash picture.
Estimated remaining funds due at closing
$73,494No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,975.76
Your down payment$59,975.76
Closing costs + prepaids$13,518.24
Total buyer cash needed$73,494.00
Remaining funds due$73,494.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,480.00
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 (31 days)$2,115.74
Fees + prepaids$13,518.24
Your down payment is the seller’s equity. You take over the $388,024 balance, so the rest of the $448,000 price is paid at closing. A second mortgage can cover part of it. $73,494.00 is due at closing. Uses and sources reconcile at $461,518.24 each. Not a Closing Disclosure.