Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$43,085Cash toward the purchase price.
Closing costs + prepaids$13,029Not just lender fees.
Before credits & paid funds$56,114The complete starting cash picture.
Estimated remaining funds due at closing
$56,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,085.36
Your down payment$43,085.36
Closing costs + prepaids$13,028.83
Total buyer cash needed$56,114.19
Remaining funds due$56,114.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,480.00
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)$586.25
Prepaid interest, first (23 days)$1,737.58
Fees + prepaids$13,028.83
Your down payment is the seller’s equity. You take over the $404,915 balance, so the rest of the $448,000 price is paid at closing. A second mortgage can cover part of it. $56,114.19 is due at closing. Uses and sources reconcile at $461,028.83 each. Not a Closing Disclosure.