Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$33,929Cash toward the purchase price.
Closing costs + prepaids$14,264Not just lender fees.
Before credits & paid funds$48,192The complete starting cash picture.
Estimated remaining funds due at closing
$48,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,928.90
Your down payment$33,928.90
Closing costs + prepaids$14,263.52
Total buyer cash needed$48,192.41
Remaining funds due$48,192.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.99
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)$1,228.25
Initial HOA (3 months)$264.00
Prepaid interest, first (28 days)$2,146.28
Fees + prepaids$14,263.52
Your down payment is the seller’s equity. You take over the $406,070 balance, so the rest of the $439,999 price is paid at closing. A second mortgage can cover part of it. $48,192.41 is due at closing. Uses and sources reconcile at $454,262.52 each. Not a Closing Disclosure.