Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$72,472Cash toward the purchase price.
Closing costs + prepaids$12,377Not just lender fees.
Before credits & paid funds$84,849The complete starting cash picture.
Estimated remaining funds due at closing
$84,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,471.88
Your down payment$72,471.88
Closing costs + prepaids$12,377.46
Total buyer cash needed$84,849.34
Remaining funds due$84,849.34
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)$105.00
Prepaid interest, first (16 days)$1,098.46
Fees + prepaids$12,377.46
Your down payment is the seller’s equity. You take over the $367,428 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $84,849.34 is due at closing. Uses and sources reconcile at $452,277.46 each. Not a Closing Disclosure.