Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$44,567Cash toward the purchase price.
Closing costs + prepaids$12,274Not just lender fees.
Before credits & paid funds$56,841The complete starting cash picture.
Estimated remaining funds due at closing
$56,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,567.38
Your down payment$44,567.38
Closing costs + prepaids$12,273.86
Total buyer cash needed$56,841.24
Remaining funds due$56,841.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$295.75
Prepaid interest, first (22 days)$1,603.11
Fees + prepaids$12,273.86
Your down payment is the seller’s equity. You take over the $370,433 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $56,841.24 is due at closing. Uses and sources reconcile at $427,273.86 each. Not a Closing Disclosure.