Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$25,829Cash toward the purchase price.
Closing costs + prepaids$11,361Not just lender fees.
Before credits & paid funds$37,189The complete starting cash picture.
Estimated remaining funds due at closing
$37,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,828.57
Your down payment$25,828.57
Closing costs + prepaids$11,360.51
Total buyer cash needed$37,189.08
Remaining funds due$37,189.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$361.75
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$73.76
Fees + prepaids$11,360.51
Your down payment is the seller’s equity. You take over the $414,171 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $37,189.08 is due at closing. Uses and sources reconcile at $451,360.51 each. Not a Closing Disclosure.