Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$44,445Cash toward the purchase price.
Closing costs + prepaids$12,467Not just lender fees.
Before credits & paid funds$56,913The complete starting cash picture.
Estimated remaining funds due at closing
$56,913No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,445.31
Your down payment$44,445.31
Closing costs + prepaids$12,467.47
Total buyer cash needed$56,912.78
Remaining funds due$56,912.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$413.00
Initial HOA (3 months)$324.00
Prepaid interest, first (18 days)$1,205.47
Fees + prepaids$12,467.47
Your down payment is the seller’s equity. You take over the $385,555 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $56,912.78 is due at closing. Uses and sources reconcile at $442,467.47 each. Not a Closing Disclosure.