Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$36,737Cash toward the purchase price.
Closing costs + prepaids$11,347Not just lender fees.
Before credits & paid funds$48,084The complete starting cash picture.
Estimated remaining funds due at closing
$48,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,737.08
Your down payment$36,737.08
Closing costs + prepaids$11,346.80
Total buyer cash needed$48,083.88
Remaining funds due$48,083.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,449.00
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)$489.75
Initial HOA (3 months)$141.00
Prepaid interest, first (1 days)$42.05
Fees + prepaids$11,346.80
Your down payment is the seller’s equity. You take over the $408,163 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $48,083.88 is due at closing. Uses and sources reconcile at $456,246.80 each. Not a Closing Disclosure.