Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$52,393Cash toward the purchase price.
Closing costs + prepaids$10,881Not just lender fees.
Before credits & paid funds$63,274The complete starting cash picture.
Estimated remaining funds due at closing
$63,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,393.44
Your down payment$52,393.44
Closing costs + prepaids$10,880.61
Total buyer cash needed$63,274.05
Remaining funds due$63,274.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$91.50
Prepaid interest, first (1 days)$74.11
Fees + prepaids$10,880.61
Your down payment is the seller’s equity. You take over the $396,607 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $63,274.05 is due at closing. Uses and sources reconcile at $459,880.61 each. Not a Closing Disclosure.