Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$31,191Cash toward the purchase price.
Closing costs + prepaids$13,567Not just lender fees.
Before credits & paid funds$44,758The complete starting cash picture.
Estimated remaining funds due at closing
$44,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,190.78
Your down payment$31,190.78
Closing costs + prepaids$13,566.74
Total buyer cash needed$44,757.52
Remaining funds due$44,757.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$327.25
Initial HOA (3 months)$150.00
Prepaid interest, first (31 days)$2,414.49
Fees + prepaids$13,566.74
Your down payment is the seller’s equity. You take over the $413,809 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $44,757.52 is due at closing. Uses and sources reconcile at $458,566.74 each. Not a Closing Disclosure.