Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$41,738Cash toward the purchase price.
Closing costs + prepaids$14,439Not just lender fees.
Before credits & paid funds$56,177The complete starting cash picture.
Estimated remaining funds due at closing
$56,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,738.29
Your down payment$41,738.29
Closing costs + prepaids$14,438.90
Total buyer cash needed$56,177.20
Remaining funds due$56,177.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,600.00
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)$717.25
Initial HOA (3 months)$294.99
Prepaid interest, first (31 days)$2,351.66
Fees + prepaids$14,438.90
Your down payment is the seller’s equity. You take over the $418,262 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $56,177.20 is due at closing. Uses and sources reconcile at $474,438.90 each. Not a Closing Disclosure.