Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$45,194Cash toward the purchase price.
Closing costs + prepaids$12,042Not just lender fees.
Before credits & paid funds$57,236The complete starting cash picture.
Estimated remaining funds due at closing
$57,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,194.06
Your down payment$45,194.06
Closing costs + prepaids$12,042.25
Total buyer cash needed$57,236.31
Remaining funds due$57,236.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
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)$550.75
Prepaid interest, first (6 days)$426.50
Fees + prepaids$12,042.25
Your down payment is the seller’s equity. You take over the $413,806 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $57,236.31 is due at closing. Uses and sources reconcile at $471,042.25 each. Not a Closing Disclosure.