Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$44,342Cash toward the purchase price.
Closing costs + prepaids$12,549Not just lender fees.
Before credits & paid funds$56,891The complete starting cash picture.
Estimated remaining funds due at closing
$56,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,341.76
Your down payment$44,341.76
Closing costs + prepaids$12,548.90
Total buyer cash needed$56,890.66
Remaining funds due$56,890.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$581.75
Initial HOA (3 months)$6.24
Prepaid interest, first (23 days)$1,585.91
Fees + prepaids$12,548.90
Your down payment is the seller’s equity. You take over the $370,658 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $56,890.66 is due at closing. Uses and sources reconcile at $427,548.90 each. Not a Closing Disclosure.