Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$43,510Cash toward the purchase price.
Closing costs + prepaids$13,535Not just lender fees.
Before credits & paid funds$57,044The complete starting cash picture.
Estimated remaining funds due at closing
$57,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,509.58
Your down payment$43,509.58
Closing costs + prepaids$13,534.89
Total buyer cash needed$57,044.48
Remaining funds due$57,044.48
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)$1,263.25
Initial HOA (3 months)$22.50
Prepaid interest, first (27 days)$1,874.14
Fees + prepaids$13,534.89
Your down payment is the seller’s equity. You take over the $371,490 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $57,044.48 is due at closing. Uses and sources reconcile at $428,534.89 each. Not a Closing Disclosure.