Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$39,779Cash toward the purchase price.
Closing costs + prepaids$15,160Not just lender fees.
Before credits & paid funds$54,939The complete starting cash picture.
Estimated remaining funds due at closing
$54,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,778.77
Your down payment$39,778.77
Closing costs + prepaids$15,159.80
Total buyer cash needed$54,938.57
Remaining funds due$54,938.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,549.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,815.75
Initial HOA (3 months)$110.01
Prepaid interest, first (28 days)$2,210.04
Fees + prepaids$15,159.80
Your down payment is the seller’s equity. You take over the $415,121 balance, so the rest of the $454,900 price is paid at closing. A second mortgage can cover part of it. $54,938.57 is due at closing. Uses and sources reconcile at $470,059.80 each. Not a Closing Disclosure.