Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$50,066Cash toward the purchase price.
Closing costs + prepaids$13,857Not just lender fees.
Before credits & paid funds$63,923The complete starting cash picture.
Estimated remaining funds due at closing
$63,923No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,065.59
Your down payment$50,065.59
Closing costs + prepaids$13,857.10
Total buyer cash needed$63,922.69
Remaining funds due$63,922.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$571.50
Initial HOA (3 months)$402.00
Prepaid interest, first (28 days)$2,208.60
Fees + prepaids$13,857.10
Your down payment is the seller’s equity. You take over the $394,934 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $63,922.69 is due at closing. Uses and sources reconcile at $458,857.10 each. Not a Closing Disclosure.