Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$61,392Cash toward the purchase price.
Closing costs + prepaids$11,753Not just lender fees.
Before credits & paid funds$73,145The complete starting cash picture.
Estimated remaining funds due at closing
$73,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,391.60
Your down payment$61,391.60
Closing costs + prepaids$11,753.43
Total buyer cash needed$73,145.03
Remaining funds due$73,145.03
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)$637.25
Initial HOA (3 months)$324.00
Prepaid interest, first (1 days)$67.18
Fees + prepaids$11,753.43
Your down payment is the seller’s equity. You take over the $388,608 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $73,145.03 is due at closing. Uses and sources reconcile at $461,753.43 each. Not a Closing Disclosure.