Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$45,604Cash toward the purchase price.
Closing costs + prepaids$13,633Not just lender fees.
Before credits & paid funds$59,237The complete starting cash picture.
Estimated remaining funds due at closing
$59,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,603.92
Your down payment$45,603.92
Closing costs + prepaids$13,632.65
Total buyer cash needed$59,236.56
Remaining funds due$59,236.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$671.50
Initial HOA (3 months)$710.01
Prepaid interest, first (26 days)$1,576.14
Fees + prepaids$13,632.65
Your down payment is the seller’s equity. You take over the $399,396 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $59,236.56 is due at closing. Uses and sources reconcile at $458,632.65 each. Not a Closing Disclosure.