Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$43,801Cash toward the purchase price.
Closing costs + prepaids$11,516Not just lender fees.
Before credits & paid funds$55,317The complete starting cash picture.
Estimated remaining funds due at closing
$55,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,801.16
Your down payment$43,801.16
Closing costs + prepaids$11,515.63
Total buyer cash needed$55,316.79
Remaining funds due$55,316.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,364.99
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)$641.25
Initial HOA (3 months)$225.00
Prepaid interest, first (1 days)$59.39
Fees + prepaids$11,515.63
Your down payment is the seller’s equity. You take over the $392,698 balance, so the rest of the $436,499 price is paid at closing. A second mortgage can cover part of it. $55,316.79 is due at closing. Uses and sources reconcile at $448,014.63 each. Not a Closing Disclosure.