Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$32,769Cash toward the purchase price.
Closing costs + prepaids$13,118Not just lender fees.
Before credits & paid funds$45,887The complete starting cash picture.
Estimated remaining funds due at closing
$45,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,769.32
Your down payment$32,769.32
Closing costs + prepaids$13,117.81
Total buyer cash needed$45,887.13
Remaining funds due$45,887.13
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)$534.00
Initial HOA (3 months)$1,200.00
Prepaid interest, first (12 days)$708.81
Fees + prepaids$13,117.81
Your down payment is the seller’s equity. You take over the $412,231 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $45,887.13 is due at closing. Uses and sources reconcile at $458,117.81 each. Not a Closing Disclosure.