Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$45,317Cash toward the purchase price.
Closing costs + prepaids$11,344Not just lender fees.
Before credits & paid funds$56,661The complete starting cash picture.
Estimated remaining funds due at closing
$56,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,317.48
Your down payment$45,317.48
Closing costs + prepaids$11,343.86
Total buyer cash needed$56,661.34
Remaining funds due$56,661.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,049.99
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)$194.50
Prepaid interest, first (19 days)$874.37
Fees + prepaids$11,343.86
Your down payment is the seller’s equity. You take over the $359,682 balance, so the rest of the $404,999 price is paid at closing. A second mortgage can cover part of it. $56,661.34 is due at closing. Uses and sources reconcile at $416,342.86 each. Not a Closing Disclosure.