Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$40,017Cash toward the purchase price.
Closing costs + prepaids$14,166Not just lender fees.
Before credits & paid funds$54,183The complete starting cash picture.
Estimated remaining funds due at closing
$54,183No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,017.43
Your down payment$40,017.43
Closing costs + prepaids$14,165.77
Total buyer cash needed$54,183.20
Remaining funds due$54,183.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$691.50
Initial HOA (3 months)$120.00
Prepaid interest, first (26 days)$2,180.27
Fees + prepaids$14,165.77
Your down payment is the seller’s equity. You take over the $429,883 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $54,183.20 is due at closing. Uses and sources reconcile at $484,065.77 each. Not a Closing Disclosure.