Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$47,919Cash toward the purchase price.
Closing costs + prepaids$12,206Not just lender fees.
Before credits & paid funds$60,125The complete starting cash picture.
Estimated remaining funds due at closing
$60,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,919.43
Your down payment$47,919.43
Closing costs + prepaids$12,205.94
Total buyer cash needed$60,125.36
Remaining funds due$60,125.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$550.00
Initial HOA (3 months)$135.00
Prepaid interest, first (16 days)$896.94
Fees + prepaids$12,205.94
Your down payment is the seller’s equity. You take over the $391,981 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $60,125.36 is due at closing. Uses and sources reconcile at $452,105.94 each. Not a Closing Disclosure.