Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$44,740Cash toward the purchase price.
Closing costs + prepaids$13,526Not just lender fees.
Before credits & paid funds$58,266The complete starting cash picture.
Estimated remaining funds due at closing
$58,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,739.81
Your down payment$44,739.81
Closing costs + prepaids$13,526.33
Total buyer cash needed$58,266.15
Remaining funds due$58,266.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$1,615.75
Initial HOA (3 months)$261.00
Prepaid interest, first (25 days)$1,325.58
Fees + prepaids$13,526.33
Your down payment is the seller’s equity. You take over the $365,160 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $58,266.15 is due at closing. Uses and sources reconcile at $423,426.33 each. Not a Closing Disclosure.