Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$21,494Cash toward the purchase price.
Closing costs + prepaids$11,182Not just lender fees.
Before credits & paid funds$32,676The complete starting cash picture.
Estimated remaining funds due at closing
$32,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,494.16
Your down payment$21,494.16
Closing costs + prepaids$11,181.96
Total buyer cash needed$32,676.12
Remaining funds due$32,676.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$12.00
Initial HOA (3 months)$336.00
Prepaid interest, first (2 days)$158.96
Fees + prepaids$11,181.96
Your down payment is the seller’s equity. You take over the $423,506 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $32,676.12 is due at closing. Uses and sources reconcile at $456,181.96 each. Not a Closing Disclosure.