Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$39,621Cash toward the purchase price.
Closing costs + prepaids$13,073Not just lender fees.
Before credits & paid funds$52,694The complete starting cash picture.
Estimated remaining funds due at closing
$52,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,620.91
Your down payment$39,620.91
Closing costs + prepaids$13,073.37
Total buyer cash needed$52,694.28
Remaining funds due$52,694.28
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)$677.50
Initial HOA (3 months)$54.51
Prepaid interest, first (30 days)$1,717.36
Fees + prepaids$13,073.37
Your down payment is the seller’s equity. You take over the $400,279 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $52,694.28 is due at closing. Uses and sources reconcile at $452,973.37 each. Not a Closing Disclosure.