Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$40,021Cash toward the purchase price.
Closing costs + prepaids$12,126Not just lender fees.
Before credits & paid funds$52,148The complete starting cash picture.
Estimated remaining funds due at closing
$52,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,021.35
Your down payment$40,021.35
Closing costs + prepaids$12,126.32
Total buyer cash needed$52,147.67
Remaining funds due$52,147.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$552.00
Initial HOA (3 months)$31.26
Prepaid interest, first (6 days)$468.07
Fees + prepaids$12,126.32
Your down payment is the seller’s equity. You take over the $419,978 balance, so the rest of the $459,999 price is paid at closing. A second mortgage can cover part of it. $52,147.67 is due at closing. Uses and sources reconcile at $472,125.32 each. Not a Closing Disclosure.