Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$37,115Cash toward the purchase price.
Closing costs + prepaids$14,847Not just lender fees.
Before credits & paid funds$51,962The complete starting cash picture.
Estimated remaining funds due at closing
$51,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,114.67
Your down payment$37,114.67
Closing costs + prepaids$14,847.50
Total buyer cash needed$51,962.17
Remaining funds due$51,962.17
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)$2,083.75
Initial HOA (3 months)$261.00
Prepaid interest, first (25 days)$1,878.75
Fees + prepaids$14,847.50
Your down payment is the seller’s equity. You take over the $402,785 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $51,962.17 is due at closing. Uses and sources reconcile at $454,747.50 each. Not a Closing Disclosure.