Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$43,859Cash toward the purchase price.
Closing costs + prepaids$12,838Not just lender fees.
Before credits & paid funds$56,696The complete starting cash picture.
Estimated remaining funds due at closing
$56,696No 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$12,837.85
Total buyer cash needed$56,696.38
Remaining funds due$56,696.38
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)$298.50
Initial HOA (3 months)$270.00
Prepaid interest, first (27 days)$1,894.35
Fees + prepaids$12,837.85
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. $56,696.38 is due at closing. Uses and sources reconcile at $427,837.85 each. Not a Closing Disclosure.