Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$37,244Cash toward the purchase price.
Closing costs + prepaids$11,661Not just lender fees.
Before credits & paid funds$48,905The complete starting cash picture.
Estimated remaining funds due at closing
$48,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,244.16
Your down payment$37,244.16
Closing costs + prepaids$11,660.71
Total buyer cash needed$48,904.86
Remaining funds due$48,904.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$48.75
Initial HOA (3 months)$309.00
Prepaid interest, first (1 days)$77.96
Fees + prepaids$11,660.71
Your down payment is the seller’s equity. You take over the $437,756 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $48,904.86 is due at closing. Uses and sources reconcile at $486,660.71 each. Not a Closing Disclosure.