Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$43,206Cash toward the purchase price.
Closing costs + prepaids$14,094Not just lender fees.
Before credits & paid funds$57,300The complete starting cash picture.
Estimated remaining funds due at closing
$57,300No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,206.13
Your down payment$43,206.13
Closing costs + prepaids$14,093.92
Total buyer cash needed$57,300.05
Remaining funds due$57,300.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$1,124.75
Prepaid interest, first (31 days)$2,245.17
Fees + prepaids$14,093.92
Your down payment is the seller’s equity. You take over the $406,694 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $57,300.05 is due at closing. Uses and sources reconcile at $463,993.92 each. Not a Closing Disclosure.