Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$28,255Cash toward the purchase price.
Closing costs + prepaids$15,317Not just lender fees.
Before credits & paid funds$43,572The complete starting cash picture.
Estimated remaining funds due at closing
$43,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,255.13
Your down payment$28,255.13
Closing costs + prepaids$15,316.91
Total buyer cash needed$43,572.03
Remaining funds due$43,572.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,520.00
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)$2,206.75
Initial HOA (3 months)$24.99
Prepaid interest, first (28 days)$2,090.17
Fees + prepaids$15,316.91
Your down payment is the seller’s equity. You take over the $423,745 balance, so the rest of the $452,000 price is paid at closing. A second mortgage can cover part of it. $43,572.03 is due at closing. Uses and sources reconcile at $467,316.91 each. Not a Closing Disclosure.