Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$44,220Cash toward the purchase price.
Closing costs + prepaids$12,088Not just lender fees.
Before credits & paid funds$56,309The complete starting cash picture.
Estimated remaining funds due at closing
$56,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,220.22
Your down payment$44,220.22
Closing costs + prepaids$12,088.42
Total buyer cash needed$56,308.64
Remaining funds due$56,308.64
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)$538.75
Initial HOA (3 months)$141.00
Prepaid interest, first (9 days)$693.67
Fees + prepaids$12,088.42
Your down payment is the seller’s equity. You take over the $404,780 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $56,308.64 is due at closing. Uses and sources reconcile at $461,088.42 each. Not a Closing Disclosure.