Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$181,341Cash toward the purchase price.
Closing costs + prepaids$12,453Not just lender fees.
Before credits & paid funds$193,794The complete starting cash picture.
Estimated remaining funds due at closing
$193,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,341.19
Your down payment$181,341.19
Closing costs + prepaids$12,453.15
Total buyer cash needed$193,794.34
Remaining funds due$193,794.34
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)$973.75
Initial HOA (3 months)$240.00
Prepaid interest, first (30 days)$614.40
Fees + prepaids$12,453.15
Your down payment is the seller’s equity. You take over the $258,659 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $193,794.34 is due at closing. Uses and sources reconcile at $452,453.15 each. Not a Closing Disclosure.