Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$43,474Cash toward the purchase price.
Closing costs + prepaids$11,014Not just lender fees.
Before credits & paid funds$54,488The complete starting cash picture.
Estimated remaining funds due at closing
$54,488No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,474.13
Your down payment$43,474.13
Closing costs + prepaids$11,013.73
Total buyer cash needed$54,487.87
Remaining funds due$54,487.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$298.50
Initial HOA (3 months)$270.00
Prepaid interest, first (1 days)$70.23
Fees + prepaids$11,013.73
Your down payment is the seller’s equity. You take over the $371,526 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $54,487.87 is due at closing. Uses and sources reconcile at $426,013.73 each. Not a Closing Disclosure.