Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$45,604Cash toward the purchase price.
Closing costs + prepaids$12,465Not just lender fees.
Before credits & paid funds$58,069The complete starting cash picture.
Estimated remaining funds due at closing
$58,069No 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$12,464.60
Total buyer cash needed$58,068.51
Remaining funds due$58,068.51
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)$710.01
Prepaid interest, first (9 days)$545.59
Fees + prepaids$12,464.60
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. $58,068.51 is due at closing. Uses and sources reconcile at $457,464.60 each. Not a Closing Disclosure.