Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$93,446Cash toward the purchase price.
Closing costs + prepaids$12,702Not just lender fees.
Before credits & paid funds$106,148The complete starting cash picture.
Estimated remaining funds due at closing
$106,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,445.96
Your down payment$93,445.96
Closing costs + prepaids$12,701.80
Total buyer cash needed$106,147.76
Remaining funds due$106,147.76
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)$396.25
Initial HOA (3 months)$33.99
Prepaid interest, first (29 days)$1,646.56
Fees + prepaids$12,701.80
Your down payment is the seller’s equity. You take over the $346,554 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $106,147.76 is due at closing. Uses and sources reconcile at $452,701.80 each. Not a Closing Disclosure.