Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$55,223Cash toward the purchase price.
Closing costs + prepaids$13,216Not just lender fees.
Before credits & paid funds$68,440The complete starting cash picture.
Estimated remaining funds due at closing
$68,440No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,223.47
Your down payment$55,223.47
Closing costs + prepaids$13,216.16
Total buyer cash needed$68,439.62
Remaining funds due$68,439.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$890.25
Prepaid interest, first (24 days)$1,710.91
Fees + prepaids$13,216.16
Your down payment is the seller’s equity. You take over the $383,777 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $68,439.62 is due at closing. Uses and sources reconcile at $452,216.16 each. Not a Closing Disclosure.