Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$43,688Cash toward the purchase price.
Closing costs + prepaids$15,114Not just lender fees.
Before credits & paid funds$58,803The complete starting cash picture.
Estimated remaining funds due at closing
$58,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,688.48
Your down payment$43,688.48
Closing costs + prepaids$15,114.37
Total buyer cash needed$58,802.84
Remaining funds due$58,802.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.00
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)$1,062.25
Initial HOA (3 months)$1,800.00
Prepaid interest, first (25 days)$1,778.12
Fees + prepaids$15,114.37
Your down payment is the seller’s equity. You take over the $381,212 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $58,802.84 is due at closing. Uses and sources reconcile at $440,014.37 each. Not a Closing Disclosure.