Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$43,805Cash toward the purchase price.
Closing costs + prepaids$11,249Not just lender fees.
Before credits & paid funds$55,054The complete starting cash picture.
Estimated remaining funds due at closing
$55,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,804.65
Your down payment$43,804.65
Closing costs + prepaids$11,249.40
Total buyer cash needed$55,054.06
Remaining funds due$55,054.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$316.25
Initial HOA (3 months)$141.00
Prepaid interest, first (1 days)$77.15
Fees + prepaids$11,249.40
Your down payment is the seller’s equity. You take over the $405,195 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $55,054.06 is due at closing. Uses and sources reconcile at $460,249.40 each. Not a Closing Disclosure.