Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$48,707Cash toward the purchase price.
Closing costs + prepaids$13,356Not just lender fees.
Before credits & paid funds$62,063The complete starting cash picture.
Estimated remaining funds due at closing
$62,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,706.53
Your down payment$48,706.53
Closing costs + prepaids$13,356.23
Total buyer cash needed$62,062.76
Remaining funds due$62,062.76
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)$372.50
Initial HOA (3 months)$275.01
Prepaid interest, first (31 days)$2,083.72
Fees + prepaids$13,356.23
Your down payment is the seller’s equity. You take over the $391,293 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $62,062.76 is due at closing. Uses and sources reconcile at $453,356.23 each. Not a Closing Disclosure.