Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$30,344Cash toward the purchase price.
Closing costs + prepaids$14,351Not just lender fees.
Before credits & paid funds$44,696The complete starting cash picture.
Estimated remaining funds due at closing
$44,696No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,344.34
Your down payment$30,344.34
Closing costs + prepaids$14,351.42
Total buyer cash needed$44,695.77
Remaining funds due$44,695.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,398.00
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)$2,135.25
Initial HOA (3 months)$210.00
Prepaid interest, first (18 days)$1,383.17
Fees + prepaids$14,351.42
Your down payment is the seller’s equity. You take over the $409,456 balance, so the rest of the $439,800 price is paid at closing. A second mortgage can cover part of it. $44,695.77 is due at closing. Uses and sources reconcile at $454,151.42 each. Not a Closing Disclosure.