Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$43,420Cash toward the purchase price.
Closing costs + prepaids$13,856Not just lender fees.
Before credits & paid funds$57,276The complete starting cash picture.
Estimated remaining funds due at closing
$57,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,420.49
Your down payment$43,420.49
Closing costs + prepaids$13,855.59
Total buyer cash needed$57,276.09
Remaining funds due$57,276.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,330.00
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)$1,301.25
Prepaid interest, first (28 days)$1,999.34
Fees + prepaids$13,855.59
Your down payment is the seller’s equity. You take over the $389,580 balance, so the rest of the $433,000 price is paid at closing. A second mortgage can cover part of it. $57,276.09 is due at closing. Uses and sources reconcile at $446,855.59 each. Not a Closing Disclosure.