Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$41,282Cash toward the purchase price.
Closing costs + prepaids$13,311Not just lender fees.
Before credits & paid funds$54,593The complete starting cash picture.
Estimated remaining funds due at closing
$54,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,282.12
Your down payment$41,282.12
Closing costs + prepaids$13,310.83
Total buyer cash needed$54,592.94
Remaining funds due$54,592.94
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)$1,132.00
Prepaid interest, first (23 days)$1,554.83
Fees + prepaids$13,310.83
Your down payment is the seller’s equity. You take over the $398,618 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $54,592.94 is due at closing. Uses and sources reconcile at $453,210.83 each. Not a Closing Disclosure.