Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$49,202Cash toward the purchase price.
Closing costs + prepaids$11,330Not just lender fees.
Before credits & paid funds$60,531The complete starting cash picture.
Estimated remaining funds due at closing
$60,531No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,201.63
Your down payment$49,201.63
Closing costs + prepaids$11,329.72
Total buyer cash needed$60,531.35
Remaining funds due$60,531.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$878.25
Initial HOA (3 months)$267.00
Prepaid interest, first (1 days)$9.47
Fees + prepaids$11,329.72
Your down payment is the seller’s equity. You take over the $345,798 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $60,531.35 is due at closing. Uses and sources reconcile at $406,329.72 each. Not a Closing Disclosure.