Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$184,011Cash toward the purchase price.
Closing costs + prepaids$12,665Not just lender fees.
Before credits & paid funds$196,676The complete starting cash picture.
Estimated remaining funds due at closing
$196,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,010.63
Your down payment$184,010.63
Closing costs + prepaids$12,665.29
Total buyer cash needed$196,675.93
Remaining funds due$196,675.93
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)$903.50
Initial HOA (3 months)$309.00
Prepaid interest, first (29 days)$827.79
Fees + prepaids$12,665.29
Your down payment is the seller’s equity. You take over the $255,989 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $196,675.93 is due at closing. Uses and sources reconcile at $452,665.29 each. Not a Closing Disclosure.