Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$45,416Cash toward the purchase price.
Closing costs + prepaids$12,638Not just lender fees.
Before credits & paid funds$58,054The complete starting cash picture.
Estimated remaining funds due at closing
$58,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,415.65
Your down payment$45,415.65
Closing costs + prepaids$12,638.34
Total buyer cash needed$58,053.99
Remaining funds due$58,053.99
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)$720.50
Initial HOA (3 months)$264.00
Prepaid interest, first (31 days)$1,028.84
Fees + prepaids$12,638.34
Your down payment is the seller’s equity. You take over the $394,584 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $58,053.99 is due at closing. Uses and sources reconcile at $452,638.34 each. Not a Closing Disclosure.