Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$35,472Cash toward the purchase price.
Closing costs + prepaids$12,131Not just lender fees.
Before credits & paid funds$47,603The complete starting cash picture.
Estimated remaining funds due at closing
$47,603No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,472.18
Your down payment$35,472.18
Closing costs + prepaids$12,130.51
Total buyer cash needed$47,602.69
Remaining funds due$47,602.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.99
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)$705.50
Initial HOA (3 months)$270.00
Prepaid interest, first (1 days)$80.02
Fees + prepaids$12,130.51
Your down payment is the seller’s equity. You take over the $424,527 balance, so the rest of the $459,999 price is paid at closing. A second mortgage can cover part of it. $47,602.69 is due at closing. Uses and sources reconcile at $472,129.51 each. Not a Closing Disclosure.