Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$30,457Cash toward the purchase price.
Closing costs + prepaids$14,244Not just lender fees.
Before credits & paid funds$44,701The complete starting cash picture.
Estimated remaining funds due at closing
$44,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,457.12
Your down payment$30,457.12
Closing costs + prepaids$14,244.01
Total buyer cash needed$44,701.13
Remaining funds due$44,701.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,635.00
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)$736.75
Initial HOA (3 months)$135.00
Prepaid interest, first (28 days)$2,262.26
Fees + prepaids$14,244.01
Your down payment is the seller’s equity. You take over the $433,043 balance, so the rest of the $463,500 price is paid at closing. A second mortgage can cover part of it. $44,701.13 is due at closing. Uses and sources reconcile at $477,744.01 each. Not a Closing Disclosure.