Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$51,424Cash toward the purchase price.
Closing costs + prepaids$13,429Not just lender fees.
Before credits & paid funds$64,853The complete starting cash picture.
Estimated remaining funds due at closing
$64,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,423.77
Your down payment$51,423.77
Closing costs + prepaids$13,429.27
Total buyer cash needed$64,853.03
Remaining funds due$64,853.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$681.75
Initial HOA (3 months)$255.00
Prepaid interest, first (28 days)$1,868.52
Fees + prepaids$13,429.27
Your down payment is the seller’s equity. You take over the $388,476 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $64,853.03 is due at closing. Uses and sources reconcile at $453,329.27 each. Not a Closing Disclosure.