Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$31,262Cash toward the purchase price.
Closing costs + prepaids$13,705Not just lender fees.
Before credits & paid funds$44,967The complete starting cash picture.
Estimated remaining funds due at closing
$44,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,261.70
Your down payment$31,261.70
Closing costs + prepaids$13,705.06
Total buyer cash needed$44,966.76
Remaining funds due$44,966.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$742.00
Initial HOA (3 months)$379.50
Prepaid interest, first (31 days)$1,859.56
Fees + prepaids$13,705.06
Your down payment is the seller’s equity. You take over the $418,638 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $44,966.76 is due at closing. Uses and sources reconcile at $463,605.06 each. Not a Closing Disclosure.