Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$43,522Cash toward the purchase price.
Closing costs + prepaids$12,314Not just lender fees.
Before credits & paid funds$55,836The complete starting cash picture.
Estimated remaining funds due at closing
$55,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,521.73
Your down payment$43,521.73
Closing costs + prepaids$12,313.78
Total buyer cash needed$55,835.51
Remaining funds due$55,835.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,549.99
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)$1,137.50
Prepaid interest, first (2 days)$151.29
Fees + prepaids$12,313.78
Your down payment is the seller’s equity. You take over the $411,477 balance, so the rest of the $454,999 price is paid at closing. A second mortgage can cover part of it. $55,835.51 is due at closing. Uses and sources reconcile at $467,312.78 each. Not a Closing Disclosure.