Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$7,249Cash toward the purchase price.
Closing costs + prepaids$11,191Not just lender fees.
Before credits & paid funds$18,440The complete starting cash picture.
Estimated remaining funds due at closing
$18,440No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,248.88
Your down payment$7,248.88
Closing costs + prepaids$11,191.28
Total buyer cash needed$18,440.16
Remaining funds due$18,440.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$22.25
Initial HOA (3 months)$666.00
Prepaid interest, first (1 days)$78.03
Fees + prepaids$11,191.28
Your down payment is the seller’s equity. You take over the $412,751 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $18,440.16 is due at closing. Uses and sources reconcile at $431,191.28 each. Not a Closing Disclosure.