Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$53,029Cash toward the purchase price.
Closing costs + prepaids$12,100Not just lender fees.
Before credits & paid funds$65,128The complete starting cash picture.
Estimated remaining funds due at closing
$65,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,028.60
Your down payment$53,028.60
Closing costs + prepaids$12,099.79
Total buyer cash needed$65,128.39
Remaining funds due$65,128.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,449.00
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)$297.00
Prepaid interest, first (10 days)$594.79
Fees + prepaids$12,099.79
Your down payment is the seller’s equity. You take over the $391,871 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $65,128.39 is due at closing. Uses and sources reconcile at $456,999.79 each. Not a Closing Disclosure.