Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$28,762Cash toward the purchase price.
Closing costs + prepaids$11,481Not just lender fees.
Before credits & paid funds$40,243The complete starting cash picture.
Estimated remaining funds due at closing
$40,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,761.86
Your down payment$28,761.86
Closing costs + prepaids$11,481.25
Total buyer cash needed$40,243.11
Remaining funds due$40,243.11
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)$358.25
Initial HOA (3 months)$345.00
Prepaid interest, first (2 days)$153.00
Fees + prepaids$11,481.25
Your down payment is the seller’s equity. You take over the $411,238 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $40,243.11 is due at closing. Uses and sources reconcile at $451,481.25 each. Not a Closing Disclosure.