Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$37,298Cash toward the purchase price.
Closing costs + prepaids$11,115Not just lender fees.
Before credits & paid funds$48,413The complete starting cash picture.
Estimated remaining funds due at closing
$48,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,298.08
Your down payment$37,298.08
Closing costs + prepaids$11,115.11
Total buyer cash needed$48,413.19
Remaining funds due$48,413.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.00
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)$375.00
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$66.11
Fees + prepaids$11,115.11
Your down payment is the seller’s equity. You take over the $377,602 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $48,413.19 is due at closing. Uses and sources reconcile at $426,015.11 each. Not a Closing Disclosure.