Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$37,097Cash toward the purchase price.
Closing costs + prepaids$12,734Not just lender fees.
Before credits & paid funds$49,831The complete starting cash picture.
Estimated remaining funds due at closing
$49,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,097.40
Your down payment$37,097.40
Closing costs + prepaids$12,733.82
Total buyer cash needed$49,831.22
Remaining funds due$49,831.22
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)$1,688.75
Initial HOA (3 months)$279.00
Prepaid interest, first (2 days)$141.07
Fees + prepaids$12,733.82
Your down payment is the seller’s equity. You take over the $402,903 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $49,831.22 is due at closing. Uses and sources reconcile at $452,733.82 each. Not a Closing Disclosure.