Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$43,500Cash toward the purchase price.
Closing costs + prepaids$11,834Not just lender fees.
Before credits & paid funds$55,334The complete starting cash picture.
Estimated remaining funds due at closing
$55,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,499.77
Your down payment$43,499.77
Closing costs + prepaids$11,834.16
Total buyer cash needed$55,333.93
Remaining funds due$55,333.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.00
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)$510.00
Prepaid interest, first (12 days)$850.16
Fees + prepaids$11,834.16
Your down payment is the seller’s equity. You take over the $381,400 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $55,333.93 is due at closing. Uses and sources reconcile at $436,734.16 each. Not a Closing Disclosure.