Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$28,365Cash toward the purchase price.
Closing costs + prepaids$10,892Not just lender fees.
Before credits & paid funds$39,257The complete starting cash picture.
Estimated remaining funds due at closing
$39,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,365.32
Your down payment$28,365.32
Closing costs + prepaids$10,891.59
Total buyer cash needed$39,256.91
Remaining funds due$39,256.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,010.00
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)$335.75
Initial HOA (3 months)$270.00
Prepaid interest, first (1 days)$50.84
Fees + prepaids$10,891.59
Your down payment is the seller’s equity. You take over the $372,635 balance, so the rest of the $401,000 price is paid at closing. A second mortgage can cover part of it. $39,256.91 is due at closing. Uses and sources reconcile at $411,891.59 each. Not a Closing Disclosure.