Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$44,375Cash toward the purchase price.
Closing costs + prepaids$12,524Not just lender fees.
Before credits & paid funds$56,899The complete starting cash picture.
Estimated remaining funds due at closing
$56,899No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,374.91
Your down payment$44,374.91
Closing costs + prepaids$12,523.68
Total buyer cash needed$56,898.58
Remaining funds due$56,898.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,364.99
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)$641.25
Initial HOA (3 months)$225.00
Prepaid interest, first (18 days)$1,067.44
Fees + prepaids$12,523.68
Your down payment is the seller’s equity. You take over the $392,124 balance, so the rest of the $436,499 price is paid at closing. A second mortgage can cover part of it. $56,898.58 is due at closing. Uses and sources reconcile at $449,022.68 each. Not a Closing Disclosure.