Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$44,052Cash toward the purchase price.
Closing costs + prepaids$12,735Not just lender fees.
Before credits & paid funds$56,787The complete starting cash picture.
Estimated remaining funds due at closing
$56,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,052.16
Your down payment$44,052.16
Closing costs + prepaids$12,734.56
Total buyer cash needed$56,786.72
Remaining funds due$56,786.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$557.00
Initial HOA (3 months)$102.00
Prepaid interest, first (24 days)$1,550.56
Fees + prepaids$12,734.56
Your down payment is the seller’s equity. You take over the $385,948 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $56,786.72 is due at closing. Uses and sources reconcile at $442,734.56 each. Not a Closing Disclosure.