Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$52,291Cash toward the purchase price.
Closing costs + prepaids$13,846Not just lender fees.
Before credits & paid funds$66,137The complete starting cash picture.
Estimated remaining funds due at closing
$66,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,290.56
Your down payment$52,290.56
Closing costs + prepaids$13,846.20
Total buyer cash needed$66,136.76
Remaining funds due$66,136.76
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)$1,491.50
Initial HOA (3 months)$72.00
Prepaid interest, first (27 days)$1,657.70
Fees + prepaids$13,846.20
Your down payment is the seller’s equity. You take over the $387,709 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $66,136.76 is due at closing. Uses and sources reconcile at $453,846.20 each. Not a Closing Disclosure.