Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$376,246Cash toward the purchase price.
Closing costs + prepaids$11,582Not just lender fees.
Before credits & paid funds$387,828The complete starting cash picture.
Estimated remaining funds due at closing
$387,828No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$376,245.91
Your down payment$376,245.91
Closing costs + prepaids$11,582.41
Total buyer cash needed$387,828.32
Remaining funds due$387,828.32
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)$437.50
Initial HOA (3 months)$317.01
Prepaid interest, first (24 days)$202.90
Fees + prepaids$11,582.41
Your down payment is the seller’s equity. You take over the $63,754 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $387,828.32 is due at closing. Uses and sources reconcile at $451,582.41 each. Not a Closing Disclosure.