Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$30,729Cash toward the purchase price.
Closing costs + prepaids$12,601Not just lender fees.
Before credits & paid funds$43,330The complete starting cash picture.
Estimated remaining funds due at closing
$43,330No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,728.67
Your down payment$30,728.67
Closing costs + prepaids$12,600.89
Total buyer cash needed$43,329.56
Remaining funds due$43,329.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$562.50
Initial HOA (3 months)$150.00
Prepaid interest, first (16 days)$1,163.39
Fees + prepaids$12,600.89
Your down payment is the seller’s equity. You take over the $419,271 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $43,329.56 is due at closing. Uses and sources reconcile at $462,600.89 each. Not a Closing Disclosure.