Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$82,239Cash toward the purchase price.
Closing costs + prepaids$13,438Not just lender fees.
Before credits & paid funds$95,678The complete starting cash picture.
Estimated remaining funds due at closing
$95,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,239.15
Your down payment$82,239.15
Closing costs + prepaids$13,438.44
Total buyer cash needed$95,677.59
Remaining funds due$95,677.59
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)$1,597.25
Initial HOA (3 months)$39.99
Prepaid interest, first (30 days)$1,176.20
Fees + prepaids$13,438.44
Your down payment is the seller’s equity. You take over the $357,761 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $95,677.59 is due at closing. Uses and sources reconcile at $453,438.44 each. Not a Closing Disclosure.