Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$51,424Cash toward the purchase price.
Closing costs + prepaids$12,008Not just lender fees.
Before credits & paid funds$63,431The complete starting cash picture.
Estimated remaining funds due at closing
$63,431No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,423.77
Your down payment$51,423.77
Closing costs + prepaids$12,007.59
Total buyer cash needed$63,431.36
Remaining funds due$63,431.36
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)$528.00
Initial HOA (3 months)$255.00
Prepaid interest, first (9 days)$600.59
Fees + prepaids$12,007.59
Your down payment is the seller’s equity. You take over the $388,476 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $63,431.36 is due at closing. Uses and sources reconcile at $451,907.59 each. Not a Closing Disclosure.