Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$50,495Cash toward the purchase price.
Closing costs + prepaids$11,572Not just lender fees.
Before credits & paid funds$62,067The complete starting cash picture.
Estimated remaining funds due at closing
$62,067No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,495.46
Your down payment$50,495.46
Closing costs + prepaids$11,571.57
Total buyer cash needed$62,067.03
Remaining funds due$62,067.03
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)$567.00
Initial HOA (3 months)$207.00
Prepaid interest, first (1 days)$72.57
Fees + prepaids$11,571.57
Your down payment is the seller’s equity. You take over the $399,505 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $62,067.03 is due at closing. Uses and sources reconcile at $461,571.57 each. Not a Closing Disclosure.