Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$27,555Cash toward the purchase price.
Closing costs + prepaids$14,433Not just lender fees.
Before credits & paid funds$41,988The complete starting cash picture.
Estimated remaining funds due at closing
$41,988No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,555.23
Your down payment$27,555.23
Closing costs + prepaids$14,432.90
Total buyer cash needed$41,988.13
Remaining funds due$41,988.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$1,154.25
Initial HOA (3 months)$177.00
Prepaid interest, first (30 days)$2,386.65
Fees + prepaids$14,432.90
Your down payment is the seller’s equity. You take over the $421,445 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $41,988.13 is due at closing. Uses and sources reconcile at $463,432.90 each. Not a Closing Disclosure.