Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$34,868Cash toward the purchase price.
Closing costs + prepaids$10,953Not just lender fees.
Before credits & paid funds$45,822The complete starting cash picture.
Estimated remaining funds due at closing
$45,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,868.23
Your down payment$34,868.23
Closing costs + prepaids$10,953.43
Total buyer cash needed$45,821.66
Remaining funds due$45,821.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.00
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)$301.25
Initial HOA (3 months)$213.00
Prepaid interest, first (1 days)$65.18
Fees + prepaids$10,953.43
Your down payment is the seller’s equity. You take over the $380,032 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $45,821.66 is due at closing. Uses and sources reconcile at $425,853.43 each. Not a Closing Disclosure.