Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$49,681Cash toward the purchase price.
Closing costs + prepaids$11,727Not just lender fees.
Before credits & paid funds$61,409The complete starting cash picture.
Estimated remaining funds due at closing
$61,409No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,681.12
Your down payment$49,681.12
Closing costs + prepaids$11,727.46
Total buyer cash needed$61,408.58
Remaining funds due$61,408.58
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)$571.50
Initial HOA (3 months)$402.00
Prepaid interest, first (1 days)$78.96
Fees + prepaids$11,727.46
Your down payment is the seller’s equity. You take over the $395,319 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $61,408.58 is due at closing. Uses and sources reconcile at $456,727.46 each. Not a Closing Disclosure.