Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$26,254Cash toward the purchase price.
Closing costs + prepaids$13,571Not just lender fees.
Before credits & paid funds$39,825The complete starting cash picture.
Estimated remaining funds due at closing
$39,825No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,253.80
Your down payment$26,253.80
Closing costs + prepaids$13,570.86
Total buyer cash needed$39,824.66
Remaining funds due$39,824.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$361.75
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$2,284.11
Fees + prepaids$13,570.86
Your down payment is the seller’s equity. You take over the $413,746 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $39,824.66 is due at closing. Uses and sources reconcile at $453,570.86 each. Not a Closing Disclosure.