Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$44,550Cash toward the purchase price.
Closing costs + prepaids$11,643Not just lender fees.
Before credits & paid funds$56,193The complete starting cash picture.
Estimated remaining funds due at closing
$56,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,550.09
Your down payment$44,550.09
Closing costs + prepaids$11,642.76
Total buyer cash needed$56,192.85
Remaining funds due$56,192.85
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)$720.50
Initial HOA (3 months)$264.00
Prepaid interest, first (1 days)$33.26
Fees + prepaids$11,642.76
Your down payment is the seller’s equity. You take over the $395,450 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $56,192.85 is due at closing. Uses and sources reconcile at $451,642.76 each. Not a Closing Disclosure.