Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$42,439Cash toward the purchase price.
Closing costs + prepaids$11,239Not just lender fees.
Before credits & paid funds$53,679The complete starting cash picture.
Estimated remaining funds due at closing
$53,679No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,439.44
Your down payment$42,439.44
Closing costs + prepaids$11,239.24
Total buyer cash needed$53,678.68
Remaining funds due$53,678.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,470.00
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)$506.00
Prepaid interest, first (1 days)$38.24
Fees + prepaids$11,239.24
Your down payment is the seller’s equity. You take over the $404,561 balance, so the rest of the $447,000 price is paid at closing. A second mortgage can cover part of it. $53,678.68 is due at closing. Uses and sources reconcile at $458,239.24 each. Not a Closing Disclosure.