Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$41,850Cash toward the purchase price.
Closing costs + prepaids$13,584Not just lender fees.
Before credits & paid funds$55,433The complete starting cash picture.
Estimated remaining funds due at closing
$55,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,849.87
Your down payment$41,849.87
Closing costs + prepaids$13,583.59
Total buyer cash needed$55,433.47
Remaining funds due$55,433.47
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)$1,699.50
Initial HOA (3 months)$63.99
Prepaid interest, first (22 days)$1,195.10
Fees + prepaids$13,583.59
Your down payment is the seller’s equity. You take over the $398,150 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $55,433.47 is due at closing. Uses and sources reconcile at $453,583.59 each. Not a Closing Disclosure.