Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$29,642Cash toward the purchase price.
Closing costs + prepaids$14,169Not just lender fees.
Before credits & paid funds$43,811The complete starting cash picture.
Estimated remaining funds due at closing
$43,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,641.85
Your down payment$29,641.85
Closing costs + prepaids$14,169.13
Total buyer cash needed$43,810.98
Remaining funds due$43,810.98
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)$615.50
Initial HOA (3 months)$900.00
Prepaid interest, first (26 days)$2,028.63
Fees + prepaids$14,169.13
Your down payment is the seller’s equity. You take over the $410,358 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $43,810.98 is due at closing. Uses and sources reconcile at $454,169.13 each. Not a Closing Disclosure.