Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$56,972Cash toward the purchase price.
Closing costs + prepaids$11,280Not just lender fees.
Before credits & paid funds$68,252The complete starting cash picture.
Estimated remaining funds due at closing
$68,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,972.13
Your down payment$56,972.13
Closing costs + prepaids$11,280.13
Total buyer cash needed$68,252.26
Remaining funds due$68,252.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,380.00
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)$327.50
Initial HOA (3 months)$297.00
Prepaid interest, first (1 days)$50.63
Fees + prepaids$11,280.13
Your down payment is the seller’s equity. You take over the $381,028 balance, so the rest of the $438,000 price is paid at closing. A second mortgage can cover part of it. $68,252.26 is due at closing. Uses and sources reconcile at $449,280.13 each. Not a Closing Disclosure.