Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$42,451Cash toward the purchase price.
Closing costs + prepaids$13,508Not just lender fees.
Before credits & paid funds$55,958The complete starting cash picture.
Estimated remaining funds due at closing
$55,958No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,450.58
Your down payment$42,450.58
Closing costs + prepaids$13,507.54
Total buyer cash needed$55,958.13
Remaining funds due$55,958.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,540.00
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)$603.75
Initial HOA (3 months)$255.00
Prepaid interest, first (21 days)$1,633.79
Fees + prepaids$13,507.54
Your down payment is the seller’s equity. You take over the $411,549 balance, so the rest of the $454,000 price is paid at closing. A second mortgage can cover part of it. $55,958.13 is due at closing. Uses and sources reconcile at $467,507.54 each. Not a Closing Disclosure.