Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$46,686Cash toward the purchase price.
Closing costs + prepaids$12,486Not just lender fees.
Before credits & paid funds$59,172The complete starting cash picture.
Estimated remaining funds due at closing
$59,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,685.79
Your down payment$46,685.79
Closing costs + prepaids$12,485.95
Total buyer cash needed$59,171.75
Remaining funds due$59,171.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.99
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)$394.50
Initial HOA (3 months)$294.00
Prepaid interest, first (21 days)$1,372.46
Fees + prepaids$12,485.95
Your down payment is the seller’s equity. You take over the $373,313 balance, so the rest of the $419,999 price is paid at closing. A second mortgage can cover part of it. $59,171.75 is due at closing. Uses and sources reconcile at $432,484.95 each. Not a Closing Disclosure.