Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$46,486Cash toward the purchase price.
Closing costs + prepaids$13,868Not just lender fees.
Before credits & paid funds$60,354The complete starting cash picture.
Estimated remaining funds due at closing
$60,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,486.05
Your down payment$46,486.05
Closing costs + prepaids$13,867.95
Total buyer cash needed$60,354.00
Remaining funds due$60,354.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.00
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)$1,860.50
Initial HOA (3 months)$52.50
Prepaid interest, first (23 days)$1,580.95
Fees + prepaids$13,867.95
Your down payment is the seller’s equity. You take over the $368,414 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $60,354.00 is due at closing. Uses and sources reconcile at $428,767.95 each. Not a Closing Disclosure.