Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$26,254Cash toward the purchase price.
Closing costs + prepaids$12,190Not just lender fees.
Before credits & paid funds$38,444The complete starting cash picture.
Estimated remaining funds due at closing
$38,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,253.80
Your down payment$26,253.80
Closing costs + prepaids$12,189.81
Total buyer cash needed$38,443.61
Remaining funds due$38,443.61
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)$300.00
Prepaid interest, first (10 days)$736.81
Fees + prepaids$12,189.81
Your down payment is the seller’s equity. You take over the $413,746 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $38,443.61 is due at closing. Uses and sources reconcile at $452,189.81 each. Not a Closing Disclosure.