Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$40,429Cash toward the purchase price.
Closing costs + prepaids$13,183Not just lender fees.
Before credits & paid funds$53,612The complete starting cash picture.
Estimated remaining funds due at closing
$53,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,428.77
Your down payment$40,428.77
Closing costs + prepaids$13,182.90
Total buyer cash needed$53,611.68
Remaining funds due$53,611.68
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)$611.50
Prepaid interest, first (28 days)$1,946.40
Fees + prepaids$13,182.90
Your down payment is the seller’s equity. You take over the $399,571 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $53,611.68 is due at closing. Uses and sources reconcile at $453,182.90 each. Not a Closing Disclosure.