Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$40,727Cash toward the purchase price.
Closing costs + prepaids$11,331Not just lender fees.
Before credits & paid funds$52,058The complete starting cash picture.
Estimated remaining funds due at closing
$52,058No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,727.25
Your down payment$40,727.25
Closing costs + prepaids$11,331.00
Total buyer cash needed$52,058.24
Remaining funds due$52,058.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$620.00
Prepaid interest, first (1 days)$36.00
Fees + prepaids$11,331.00
Your down payment is the seller’s equity. You take over the $404,273 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $52,058.24 is due at closing. Uses and sources reconcile at $456,331.00 each. Not a Closing Disclosure.