Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$43,859Cash toward the purchase price.
Closing costs + prepaids$11,845Not just lender fees.
Before credits & paid funds$55,703The complete starting cash picture.
Estimated remaining funds due at closing
$55,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,858.53
Your down payment$43,858.53
Closing costs + prepaids$11,844.61
Total buyer cash needed$55,703.14
Remaining funds due$55,703.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$498.00
Initial HOA (3 months)$270.00
Prepaid interest, first (10 days)$701.61
Fees + prepaids$11,844.61
Your down payment is the seller’s equity. You take over the $371,141 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $55,703.14 is due at closing. Uses and sources reconcile at $426,844.61 each. Not a Closing Disclosure.