Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$37,534Cash toward the purchase price.
Closing costs + prepaids$11,727Not just lender fees.
Before credits & paid funds$49,261The complete starting cash picture.
Estimated remaining funds due at closing
$49,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,534.08
Your down payment$37,534.08
Closing costs + prepaids$11,726.68
Total buyer cash needed$49,260.76
Remaining funds due$49,260.76
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)$534.00
Initial HOA (3 months)$141.00
Prepaid interest, first (9 days)$377.68
Fees + prepaids$11,726.68
Your down payment is the seller’s equity. You take over the $407,366 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $49,260.76 is due at closing. Uses and sources reconcile at $456,626.68 each. Not a Closing Disclosure.