Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$44,246Cash toward the purchase price.
Closing costs + prepaids$12,759Not just lender fees.
Before credits & paid funds$57,005The complete starting cash picture.
Estimated remaining funds due at closing
$57,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,245.63
Your down payment$44,245.63
Closing costs + prepaids$12,759.48
Total buyer cash needed$57,005.10
Remaining funds due$57,005.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$466.25
Initial HOA (3 months)$105.99
Prepaid interest, first (27 days)$1,762.24
Fees + prepaids$12,759.48
Your down payment is the seller’s equity. You take over the $375,754 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $57,005.10 is due at closing. Uses and sources reconcile at $432,759.48 each. Not a Closing Disclosure.