Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$45,803Cash toward the purchase price.
Closing costs + prepaids$12,276Not just lender fees.
Before credits & paid funds$58,078The complete starting cash picture.
Estimated remaining funds due at closing
$58,078No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,802.68
Your down payment$45,802.68
Closing costs + prepaids$12,275.68
Total buyer cash needed$58,078.35
Remaining funds due$58,078.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.99
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)$519.25
Initial HOA (3 months)$195.00
Prepaid interest, first (22 days)$1,336.44
Fees + prepaids$12,275.68
Your down payment is the seller’s equity. You take over the $354,196 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $58,078.35 is due at closing. Uses and sources reconcile at $412,274.68 each. Not a Closing Disclosure.