Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$51,707Cash toward the purchase price.
Closing costs + prepaids$11,355Not just lender fees.
Before credits & paid funds$63,062The complete starting cash picture.
Estimated remaining funds due at closing
$63,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,707.01
Your down payment$51,707.01
Closing costs + prepaids$11,355.46
Total buyer cash needed$63,062.47
Remaining funds due$63,062.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$416.25
Initial HOA (3 months)$357.00
Prepaid interest, first (1 days)$57.21
Fees + prepaids$11,355.46
Your down payment is the seller’s equity. You take over the $378,293 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $63,062.47 is due at closing. Uses and sources reconcile at $441,355.46 each. Not a Closing Disclosure.