Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$45,255Cash toward the purchase price.
Closing costs + prepaids$13,503Not just lender fees.
Before credits & paid funds$58,758The complete starting cash picture.
Estimated remaining funds due at closing
$58,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,254.99
Your down payment$45,254.99
Closing costs + prepaids$13,502.54
Total buyer cash needed$58,757.53
Remaining funds due$58,757.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.99
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)$1,617.50
Initial HOA (3 months)$450.00
Prepaid interest, first (25 days)$1,410.05
Fees + prepaids$13,502.54
Your down payment is the seller’s equity. You take over the $334,744 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $58,757.53 is due at closing. Uses and sources reconcile at $393,501.54 each. Not a Closing Disclosure.