Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$19,439Cash toward the purchase price.
Closing costs + prepaids$15,080Not just lender fees.
Before credits & paid funds$34,518The complete starting cash picture.
Estimated remaining funds due at closing
$34,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,438.63
Your down payment$19,438.63
Closing costs + prepaids$15,079.65
Total buyer cash needed$34,518.28
Remaining funds due$34,518.28
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)$2,297.00
Initial HOA (3 months)$327.00
Prepaid interest, first (24 days)$1,830.65
Fees + prepaids$15,079.65
Your down payment is the seller’s equity. You take over the $420,561 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $34,518.28 is due at closing. Uses and sources reconcile at $455,079.65 each. Not a Closing Disclosure.