Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$45,157Cash toward the purchase price.
Closing costs + prepaids$13,077Not just lender fees.
Before credits & paid funds$58,234The complete starting cash picture.
Estimated remaining funds due at closing
$58,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,157.19
Your down payment$45,157.19
Closing costs + prepaids$13,077.04
Total buyer cash needed$58,234.23
Remaining funds due$58,234.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.99
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)$708.25
Prepaid interest, first (27 days)$1,893.80
Fees + prepaids$13,077.04
Your down payment is the seller’s equity. You take over the $379,842 balance, so the rest of the $424,999 price is paid at closing. A second mortgage can cover part of it. $58,234.23 is due at closing. Uses and sources reconcile at $438,076.04 each. Not a Closing Disclosure.