Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$44,857Cash toward the purchase price.
Closing costs + prepaids$12,997Not just lender fees.
Before credits & paid funds$57,854The complete starting cash picture.
Estimated remaining funds due at closing
$57,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,856.56
Your down payment$44,856.56
Closing costs + prepaids$12,997.24
Total buyer cash needed$57,853.81
Remaining funds due$57,853.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,060.00
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)$628.25
Initial HOA (3 months)$117.00
Prepaid interest, first (28 days)$1,966.99
Fees + prepaids$12,997.24
Your down payment is the seller’s equity. You take over the $361,143 balance, so the rest of the $406,000 price is paid at closing. A second mortgage can cover part of it. $57,853.81 is due at closing. Uses and sources reconcile at $418,997.24 each. Not a Closing Disclosure.