Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$41,028Cash toward the purchase price.
Closing costs + prepaids$15,444Not just lender fees.
Before credits & paid funds$56,472The complete starting cash picture.
Estimated remaining funds due at closing
$56,472No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,027.86
Your down payment$41,027.86
Closing costs + prepaids$15,444.37
Total buyer cash needed$56,472.23
Remaining funds due$56,472.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,589.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,642.75
Initial HOA (3 months)$828.00
Prepaid interest, first (24 days)$1,909.62
Fees + prepaids$15,444.37
Your down payment is the seller’s equity. You take over the $417,872 balance, so the rest of the $458,900 price is paid at closing. A second mortgage can cover part of it. $56,472.23 is due at closing. Uses and sources reconcile at $474,344.37 each. Not a Closing Disclosure.