Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$64,542Cash toward the purchase price.
Closing costs + prepaids$13,742Not just lender fees.
Before credits & paid funds$78,284The complete starting cash picture.
Estimated remaining funds due at closing
$78,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,542.39
Your down payment$64,542.39
Closing costs + prepaids$13,741.80
Total buyer cash needed$78,284.20
Remaining funds due$78,284.20
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)$1,100.00
Initial HOA (3 months)$480.00
Prepaid interest, first (30 days)$1,536.80
Fees + prepaids$13,741.80
Your down payment is the seller’s equity. You take over the $375,458 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $78,284.20 is due at closing. Uses and sources reconcile at $453,741.80 each. Not a Closing Disclosure.