Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$57,850Cash toward the purchase price.
Closing costs + prepaids$12,665Not just lender fees.
Before credits & paid funds$70,515The complete starting cash picture.
Estimated remaining funds due at closing
$70,515No 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$12,665.27
Total buyer cash needed$70,515.46
Remaining funds due$70,515.46
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)$558.00
Initial HOA (3 months)$402.00
Prepaid interest, first (9 days)$580.27
Fees + prepaids$12,665.27
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. $70,515.46 is due at closing. Uses and sources reconcile at $477,665.27 each. Not a Closing Disclosure.