Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$21,867Cash toward the purchase price.
Closing costs + prepaids$11,726Not just lender fees.
Before credits & paid funds$33,593The complete starting cash picture.
Estimated remaining funds due at closing
$33,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,867.24
Your down payment$21,867.24
Closing costs + prepaids$11,725.63
Total buyer cash needed$33,592.87
Remaining funds due$33,592.87
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)$195.00
Prepaid interest, first (6 days)$378.63
Fees + prepaids$11,725.63
Your down payment is the seller’s equity. You take over the $418,033 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $33,592.87 is due at closing. Uses and sources reconcile at $451,625.63 each. Not a Closing Disclosure.