Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$40,927Cash toward the purchase price.
Closing costs + prepaids$12,087Not just lender fees.
Before credits & paid funds$53,013The complete starting cash picture.
Estimated remaining funds due at closing
$53,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,926.66
Your down payment$40,926.66
Closing costs + prepaids$12,086.64
Total buyer cash needed$53,013.30
Remaining funds due$53,013.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$854.75
Initial HOA (3 months)$546.00
Prepaid interest, first (1 days)$70.89
Fees + prepaids$12,086.64
Your down payment is the seller’s equity. You take over the $398,073 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $53,013.30 is due at closing. Uses and sources reconcile at $451,086.64 each. Not a Closing Disclosure.