Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$39,621Cash toward the purchase price.
Closing costs + prepaids$12,615Not just lender fees.
Before credits & paid funds$52,236The complete starting cash picture.
Estimated remaining funds due at closing
$52,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,620.91
Your down payment$39,620.91
Closing costs + prepaids$12,615.41
Total buyer cash needed$52,236.32
Remaining funds due$52,236.32
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)$677.50
Initial HOA (3 months)$54.51
Prepaid interest, first (22 days)$1,259.40
Fees + prepaids$12,615.41
Your down payment is the seller’s equity. You take over the $400,279 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $52,236.32 is due at closing. Uses and sources reconcile at $452,515.41 each. Not a Closing Disclosure.