Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$61,431Cash toward the purchase price.
Closing costs + prepaids$11,779Not just lender fees.
Before credits & paid funds$73,209The complete starting cash picture.
Estimated remaining funds due at closing
$73,209No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,430.55
Your down payment$61,430.55
Closing costs + prepaids$11,778.85
Total buyer cash needed$73,209.40
Remaining funds due$73,209.40
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)$635.50
Initial HOA (3 months)$333.00
Prepaid interest, first (2 days)$135.35
Fees + prepaids$11,778.85
Your down payment is the seller’s equity. You take over the $383,569 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $73,209.40 is due at closing. Uses and sources reconcile at $456,778.85 each. Not a Closing Disclosure.