Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$36,639Cash toward the purchase price.
Closing costs + prepaids$14,315Not just lender fees.
Before credits & paid funds$50,953The complete starting cash picture.
Estimated remaining funds due at closing
$50,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,638.68
Your down payment$36,638.68
Closing costs + prepaids$14,314.56
Total buyer cash needed$50,953.23
Remaining funds due$50,953.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,550.00
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)$574.25
Initial HOA (3 months)$324.00
Prepaid interest, first (31 days)$2,391.31
Fees + prepaids$14,314.56
Your down payment is the seller’s equity. You take over the $418,361 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $50,953.23 is due at closing. Uses and sources reconcile at $469,314.56 each. Not a Closing Disclosure.