Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$34,612Cash toward the purchase price.
Closing costs + prepaids$12,661Not just lender fees.
Before credits & paid funds$47,273The complete starting cash picture.
Estimated remaining funds due at closing
$47,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,612.21
Your down payment$34,612.21
Closing costs + prepaids$12,660.79
Total buyer cash needed$47,273.00
Remaining funds due$47,273.00
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)$165.00
Prepaid interest, first (16 days)$1,321.79
Fees + prepaids$12,660.79
Your down payment is the seller’s equity. You take over the $405,288 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $47,273.00 is due at closing. Uses and sources reconcile at $452,560.79 each. Not a Closing Disclosure.