Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$45,828Cash toward the purchase price.
Closing costs + prepaids$11,825Not just lender fees.
Before credits & paid funds$57,652The complete starting cash picture.
Estimated remaining funds due at closing
$57,652No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,827.80
Your down payment$45,827.80
Closing costs + prepaids$11,824.61
Total buyer cash needed$57,652.42
Remaining funds due$57,652.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$402.75
Initial HOA (3 months)$39.00
Prepaid interest, first (27 days)$1,157.96
Fees + prepaids$11,824.61
Your down payment is the seller’s equity. You take over the $354,162 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $57,652.42 is due at closing. Uses and sources reconcile at $411,814.61 each. Not a Closing Disclosure.