Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$46,757Cash toward the purchase price.
Closing costs + prepaids$13,595Not just lender fees.
Before credits & paid funds$60,352The complete starting cash picture.
Estimated remaining funds due at closing
$60,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,756.56
Your down payment$46,756.56
Closing costs + prepaids$13,595.05
Total buyer cash needed$60,351.61
Remaining funds due$60,351.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.99
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)$971.75
Initial HOA (3 months)$180.00
Prepaid interest, first (30 days)$1,918.31
Fees + prepaids$13,595.05
Your down payment is the seller’s equity. You take over the $383,242 balance, so the rest of the $429,999 price is paid at closing. A second mortgage can cover part of it. $60,351.61 is due at closing. Uses and sources reconcile at $443,594.05 each. Not a Closing Disclosure.