Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$40,297Cash toward the purchase price.
Closing costs + prepaids$12,588Not just lender fees.
Before credits & paid funds$52,886The complete starting cash picture.
Estimated remaining funds due at closing
$52,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,297.23
Your down payment$40,297.23
Closing costs + prepaids$12,588.38
Total buyer cash needed$52,885.61
Remaining funds due$52,885.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$270.00
Prepaid interest, first (17 days)$1,165.38
Fees + prepaids$12,588.38
Your down payment is the seller’s equity. You take over the $399,703 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $52,885.61 is due at closing. Uses and sources reconcile at $452,588.38 each. Not a Closing Disclosure.