Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$45,749Cash toward the purchase price.
Closing costs + prepaids$12,252Not just lender fees.
Before credits & paid funds$58,001The complete starting cash picture.
Estimated remaining funds due at closing
$58,001No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,748.55
Your down payment$45,748.55
Closing costs + prepaids$12,252.41
Total buyer cash needed$58,000.97
Remaining funds due$58,000.97
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)$1,337.00
Initial HOA (3 months)$177.00
Prepaid interest, first (2 days)$113.41
Fees + prepaids$12,252.41
Your down payment is the seller’s equity. You take over the $394,251 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $58,000.97 is due at closing. Uses and sources reconcile at $452,252.41 each. Not a Closing Disclosure.