Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$46,000Cash toward the purchase price.
Closing costs + prepaids$11,545Not just lender fees.
Before credits & paid funds$57,545The complete starting cash picture.
Estimated remaining funds due at closing
$57,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,999.67
Your down payment$45,999.67
Closing costs + prepaids$11,545.29
Total buyer cash needed$57,544.96
Remaining funds due$57,544.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$687.25
Prepaid interest, first (2 days)$133.04
Fees + prepaids$11,545.29
Your down payment is the seller’s equity. You take over the $404,000 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $57,544.96 is due at closing. Uses and sources reconcile at $461,545.29 each. Not a Closing Disclosure.