Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$46,265Cash toward the purchase price.
Closing costs + prepaids$11,664Not just lender fees.
Before credits & paid funds$57,929The complete starting cash picture.
Estimated remaining funds due at closing
$57,929No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,265.07
Your down payment$46,265.07
Closing costs + prepaids$11,663.86
Total buyer cash needed$57,928.94
Remaining funds due$57,928.94
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)$685.00
Initial HOA (3 months)$201.00
Prepaid interest, first (1 days)$72.86
Fees + prepaids$11,663.86
Your down payment is the seller’s equity. You take over the $401,735 balance, so the rest of the $448,000 price is paid at closing. A second mortgage can cover part of it. $57,928.94 is due at closing. Uses and sources reconcile at $459,663.86 each. Not a Closing Disclosure.