Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$45,674Cash toward the purchase price.
Closing costs + prepaids$14,341Not just lender fees.
Before credits & paid funds$60,015The complete starting cash picture.
Estimated remaining funds due at closing
$60,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,673.98
Your down payment$45,673.98
Closing costs + prepaids$14,341.35
Total buyer cash needed$60,015.33
Remaining funds due$60,015.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,859.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$495.25
Initial HOA (3 months)$150.00
Prepaid interest, first (28 days)$2,361.11
Fees + prepaids$14,341.35
Your down payment is the seller’s equity. You take over the $440,325 balance, so the rest of the $485,999 price is paid at closing. A second mortgage can cover part of it. $60,015.33 is due at closing. Uses and sources reconcile at $500,340.35 each. Not a Closing Disclosure.