Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$41,495Cash toward the purchase price.
Closing costs + prepaids$13,558Not just lender fees.
Before credits & paid funds$55,052The complete starting cash picture.
Estimated remaining funds due at closing
$55,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,494.60
Your down payment$41,494.60
Closing costs + prepaids$13,557.56
Total buyer cash needed$55,052.17
Remaining funds due$55,052.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$935.75
Initial HOA (3 months)$133.50
Prepaid interest, first (24 days)$1,764.31
Fees + prepaids$13,557.56
Your down payment is the seller’s equity. You take over the $408,405 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $55,052.17 is due at closing. Uses and sources reconcile at $463,457.56 each. Not a Closing Disclosure.