Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$28,952Cash toward the purchase price.
Closing costs + prepaids$15,187Not just lender fees.
Before credits & paid funds$44,139The complete starting cash picture.
Estimated remaining funds due at closing
$44,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,952.01
Your down payment$28,952.01
Closing costs + prepaids$15,186.99
Total buyer cash needed$44,139.00
Remaining funds due$44,139.00
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)$2,409.75
Initial HOA (3 months)$22.50
Prepaid interest, first (25 days)$2,130.74
Fees + prepaids$15,186.99
Your down payment is the seller’s equity. You take over the $410,948 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $44,139.00 is due at closing. Uses and sources reconcile at $455,086.99 each. Not a Closing Disclosure.