Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$7,581Cash toward the purchase price.
Closing costs + prepaids$12,327Not just lender fees.
Before credits & paid funds$19,908The complete starting cash picture.
Estimated remaining funds due at closing
$19,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,581.00
Your down payment$7,581.00
Closing costs + prepaids$12,327.30
Total buyer cash needed$19,908.31
Remaining funds due$19,908.31
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)$1,097.00
Initial HOA (3 months)$440.01
Prepaid interest, first (2 days)$166.29
Fees + prepaids$12,327.30
Your down payment is the seller’s equity. You take over the $432,319 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $19,908.31 is due at closing. Uses and sources reconcile at $452,227.30 each. Not a Closing Disclosure.