Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$45,720Cash toward the purchase price.
Closing costs + prepaids$12,166Not just lender fees.
Before credits & paid funds$57,886The complete starting cash picture.
Estimated remaining funds due at closing
$57,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,720.08
Your down payment$45,720.08
Closing costs + prepaids$12,165.64
Total buyer cash needed$57,885.72
Remaining funds due$57,885.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,998.50
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)$451.25
Initial HOA (3 months)$360.00
Prepaid interest, first (31 days)$1,130.89
Fees + prepaids$12,165.64
Your down payment is the seller’s equity. You take over the $354,130 balance, so the rest of the $399,850 price is paid at closing. A second mortgage can cover part of it. $57,885.72 is due at closing. Uses and sources reconcile at $412,015.64 each. Not a Closing Disclosure.