Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$44,396Cash toward the purchase price.
Closing costs + prepaids$14,407Not just lender fees.
Before credits & paid funds$58,804The complete starting cash picture.
Estimated remaining funds due at closing
$58,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,396.50
Your down payment$44,396.50
Closing costs + prepaids$14,407.10
Total buyer cash needed$58,803.60
Remaining funds due$58,803.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,617.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$532.25
Initial HOA (3 months)$270.00
Prepaid interest, first (31 days)$2,512.85
Fees + prepaids$14,407.10
Your down payment is the seller’s equity. You take over the $417,304 balance, so the rest of the $461,700 price is paid at closing. A second mortgage can cover part of it. $58,803.60 is due at closing. Uses and sources reconcile at $476,107.10 each. Not a Closing Disclosure.