Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$40,021Cash toward the purchase price.
Closing costs + prepaids$13,957Not just lender fees.
Before credits & paid funds$53,978The complete starting cash picture.
Estimated remaining funds due at closing
$53,978No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,021.35
Your down payment$40,021.35
Closing costs + prepaids$13,957.09
Total buyer cash needed$53,978.44
Remaining funds due$53,978.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$666.50
Initial HOA (3 months)$31.26
Prepaid interest, first (28 days)$2,184.34
Fees + prepaids$13,957.09
Your down payment is the seller’s equity. You take over the $419,978 balance, so the rest of the $459,999 price is paid at closing. A second mortgage can cover part of it. $53,978.44 is due at closing. Uses and sources reconcile at $473,956.09 each. Not a Closing Disclosure.