Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$50,484Cash toward the purchase price.
Closing costs + prepaids$12,887Not just lender fees.
Before credits & paid funds$63,372The complete starting cash picture.
Estimated remaining funds due at closing
$63,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,484.17
Your down payment$50,484.17
Closing costs + prepaids$12,887.41
Total buyer cash needed$63,371.58
Remaining funds due$63,371.58
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)$595.75
Initial HOA (3 months)$258.00
Prepaid interest, first (20 days)$1,408.66
Fees + prepaids$12,887.41
Your down payment is the seller’s equity. You take over the $389,516 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $63,371.58 is due at closing. Uses and sources reconcile at $452,887.41 each. Not a Closing Disclosure.