Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$41,105Cash toward the purchase price.
Closing costs + prepaids$14,409Not just lender fees.
Before credits & paid funds$55,514The complete starting cash picture.
Estimated remaining funds due at closing
$55,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,104.98
Your down payment$41,104.98
Closing costs + prepaids$14,408.73
Total buyer cash needed$55,513.71
Remaining funds due$55,513.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$1,566.25
Initial HOA (3 months)$270.00
Prepaid interest, first (18 days)$1,407.48
Fees + prepaids$14,408.73
Your down payment is the seller’s equity. You take over the $427,895 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $55,513.71 is due at closing. Uses and sources reconcile at $483,408.73 each. Not a Closing Disclosure.