Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$34,155Cash toward the purchase price.
Closing costs + prepaids$11,344Not just lender fees.
Before credits & paid funds$45,499The complete starting cash picture.
Estimated remaining funds due at closing
$45,499No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,154.95
Your down payment$34,154.95
Closing costs + prepaids$11,343.84
Total buyer cash needed$45,498.79
Remaining funds due$45,498.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,189.99
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)$577.25
Initial HOA (3 months)$276.00
Prepaid interest, first (1 days)$75.60
Fees + prepaids$11,343.84
Your down payment is the seller’s equity. You take over the $384,844 balance, so the rest of the $418,999 price is paid at closing. A second mortgage can cover part of it. $45,498.79 is due at closing. Uses and sources reconcile at $430,342.84 each. Not a Closing Disclosure.