Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$36,330Cash toward the purchase price.
Closing costs + prepaids$12,818Not just lender fees.
Before credits & paid funds$49,148The complete starting cash picture.
Estimated remaining funds due at closing
$49,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,329.73
Your down payment$36,329.73
Closing costs + prepaids$12,817.84
Total buyer cash needed$49,147.57
Remaining funds due$49,147.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,580.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$549.50
Initial HOA (3 months)$498.00
Prepaid interest, first (9 days)$715.34
Fees + prepaids$12,817.84
Your down payment is the seller’s equity. You take over the $421,670 balance, so the rest of the $458,000 price is paid at closing. A second mortgage can cover part of it. $49,147.57 is due at closing. Uses and sources reconcile at $470,817.84 each. Not a Closing Disclosure.