Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$31,191Cash toward the purchase price.
Closing costs + prepaids$12,138Not just lender fees.
Before credits & paid funds$43,329The complete starting cash picture.
Estimated remaining funds due at closing
$43,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,190.78
Your down payment$31,190.78
Closing costs + prepaids$12,137.87
Total buyer cash needed$43,328.65
Remaining funds due$43,328.65
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)$534.00
Initial HOA (3 months)$150.00
Prepaid interest, first (10 days)$778.87
Fees + prepaids$12,137.87
Your down payment is the seller’s equity. You take over the $413,809 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $43,328.65 is due at closing. Uses and sources reconcile at $457,137.87 each. Not a Closing Disclosure.