Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$42,471Cash toward the purchase price.
Closing costs + prepaids$12,630Not just lender fees.
Before credits & paid funds$55,101The complete starting cash picture.
Estimated remaining funds due at closing
$55,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,470.56
Your down payment$42,470.56
Closing costs + prepaids$12,630.47
Total buyer cash needed$55,101.03
Remaining funds due$55,101.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,460.00
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)$46.00
Initial HOA (3 months)$141.00
Prepaid interest, first (27 days)$1,758.47
Fees + prepaids$12,630.47
Your down payment is the seller’s equity. You take over the $403,529 balance, so the rest of the $446,000 price is paid at closing. A second mortgage can cover part of it. $55,101.03 is due at closing. Uses and sources reconcile at $458,630.47 each. Not a Closing Disclosure.