Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$37,354Cash toward the purchase price.
Closing costs + prepaids$14,150Not just lender fees.
Before credits & paid funds$51,504The complete starting cash picture.
Estimated remaining funds due at closing
$51,504No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,353.50
Your down payment$37,353.50
Closing costs + prepaids$14,150.08
Total buyer cash needed$51,503.58
Remaining funds due$51,503.58
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)$1,332.75
Initial HOA (3 months)$140.01
Prepaid interest, first (29 days)$2,053.32
Fees + prepaids$14,150.08
Your down payment is the seller’s equity. You take over the $402,546 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $51,503.58 is due at closing. Uses and sources reconcile at $454,050.08 each. Not a Closing Disclosure.