Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$35,998Cash toward the purchase price.
Closing costs + prepaids$13,754Not just lender fees.
Before credits & paid funds$49,752The complete starting cash picture.
Estimated remaining funds due at closing
$49,752No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,998.29
Your down payment$35,998.29
Closing costs + prepaids$13,753.51
Total buyer cash needed$49,751.80
Remaining funds due$49,751.80
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)$1,382.25
Initial HOA (3 months)$312.00
Prepaid interest, first (22 days)$1,434.26
Fees + prepaids$13,753.51
Your down payment is the seller’s equity. You take over the $404,002 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $49,751.80 is due at closing. Uses and sources reconcile at $453,753.51 each. Not a Closing Disclosure.