Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$31,128Cash toward the purchase price.
Closing costs + prepaids$15,165Not just lender fees.
Before credits & paid funds$46,293The complete starting cash picture.
Estimated remaining funds due at closing
$46,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,127.62
Your down payment$31,127.62
Closing costs + prepaids$15,165.21
Total buyer cash needed$46,292.83
Remaining funds due$46,292.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,449.00
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)$1,452.75
Initial HOA (3 months)$861.00
Prepaid interest, first (28 days)$2,177.46
Fees + prepaids$15,165.21
Your down payment is the seller’s equity. You take over the $413,772 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $46,292.83 is due at closing. Uses and sources reconcile at $460,065.21 each. Not a Closing Disclosure.