Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$41,467Cash toward the purchase price.
Closing costs + prepaids$13,787Not just lender fees.
Before credits & paid funds$55,254The complete starting cash picture.
Estimated remaining funds due at closing
$55,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,466.96
Your down payment$41,466.96
Closing costs + prepaids$13,787.39
Total buyer cash needed$55,254.34
Remaining funds due$55,254.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$248.00
Initial HOA (3 months)$141.00
Prepaid interest, first (31 days)$2,273.39
Fees + prepaids$13,787.39
Your down payment is the seller’s equity. You take over the $423,533 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $55,254.34 is due at closing. Uses and sources reconcile at $478,787.39 each. Not a Closing Disclosure.