Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$41,440Cash toward the purchase price.
Closing costs + prepaids$14,319Not just lender fees.
Before credits & paid funds$55,759The complete starting cash picture.
Estimated remaining funds due at closing
$55,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,439.70
Your down payment$41,439.70
Closing costs + prepaids$14,318.93
Total buyer cash needed$55,758.63
Remaining funds due$55,758.63
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)$980.75
Initial HOA (3 months)$276.00
Prepaid interest, first (31 days)$2,338.18
Fees + prepaids$14,318.93
Your down payment is the seller’s equity. You take over the $408,460 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $55,758.63 is due at closing. Uses and sources reconcile at $464,218.93 each. Not a Closing Disclosure.