Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$45,825Cash toward the purchase price.
Closing costs + prepaids$13,859Not just lender fees.
Before credits & paid funds$59,683The complete starting cash picture.
Estimated remaining funds due at closing
$59,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,824.65
Your down payment$45,824.65
Closing costs + prepaids$13,858.68
Total buyer cash needed$59,683.33
Remaining funds due$59,683.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.00
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)$2,009.25
Initial HOA (3 months)$114.00
Prepaid interest, first (22 days)$1,361.43
Fees + prepaids$13,858.68
Your down payment is the seller’s equity. You take over the $369,075 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $59,683.33 is due at closing. Uses and sources reconcile at $428,758.68 each. Not a Closing Disclosure.