Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$30,091Cash toward the purchase price.
Closing costs + prepaids$13,285Not just lender fees.
Before credits & paid funds$43,377The complete starting cash picture.
Estimated remaining funds due at closing
$43,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,091.47
Your down payment$30,091.47
Closing costs + prepaids$13,285.17
Total buyer cash needed$43,376.64
Remaining funds due$43,376.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,480.00
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)$626.25
Initial HOA (3 months)$438.00
Prepaid interest, first (20 days)$1,515.92
Fees + prepaids$13,285.17
Your down payment is the seller’s equity. You take over the $417,909 balance, so the rest of the $448,000 price is paid at closing. A second mortgage can cover part of it. $43,376.64 is due at closing. Uses and sources reconcile at $461,285.17 each. Not a Closing Disclosure.