Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$34,612Cash toward the purchase price.
Closing costs + prepaids$13,703Not just lender fees.
Before credits & paid funds$48,315The complete starting cash picture.
Estimated remaining funds due at closing
$48,315No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,612.21
Your down payment$34,612.21
Closing costs + prepaids$13,702.91
Total buyer cash needed$48,315.12
Remaining funds due$48,315.12
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)$766.00
Initial HOA (3 months)$165.00
Prepaid interest, first (26 days)$2,147.91
Fees + prepaids$13,702.91
Your down payment is the seller’s equity. You take over the $405,288 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $48,315.12 is due at closing. Uses and sources reconcile at $453,602.91 each. Not a Closing Disclosure.