Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$49,039Cash toward the purchase price.
Closing costs + prepaids$12,084Not just lender fees.
Before credits & paid funds$61,123The complete starting cash picture.
Estimated remaining funds due at closing
$61,123No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,039.34
Your down payment$49,039.34
Closing costs + prepaids$12,084.08
Total buyer cash needed$61,123.42
Remaining funds due$61,123.42
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)$528.00
Initial HOA (3 months)$207.00
Prepaid interest, first (10 days)$724.08
Fees + prepaids$12,084.08
Your down payment is the seller’s equity. You take over the $390,961 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $61,123.42 is due at closing. Uses and sources reconcile at $452,084.08 each. Not a Closing Disclosure.