Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$51,663Cash toward the purchase price.
Closing costs + prepaids$12,114Not just lender fees.
Before credits & paid funds$63,777The complete starting cash picture.
Estimated remaining funds due at closing
$63,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,663.49
Your down payment$51,663.49
Closing costs + prepaids$12,113.56
Total buyer cash needed$63,777.05
Remaining funds due$63,777.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,498.00
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)$539.75
Prepaid interest, first (12 days)$850.81
Fees + prepaids$12,113.56
Your down payment is the seller’s equity. You take over the $398,137 balance, so the rest of the $449,800 price is paid at closing. A second mortgage can cover part of it. $63,777.05 is due at closing. Uses and sources reconcile at $461,913.56 each. Not a Closing Disclosure.