Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$30,881Cash toward the purchase price.
Closing costs + prepaids$12,697Not just lender fees.
Before credits & paid funds$43,578The complete starting cash picture.
Estimated remaining funds due at closing
$43,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,880.87
Your down payment$30,880.87
Closing costs + prepaids$12,696.66
Total buyer cash needed$43,577.53
Remaining funds due$43,577.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$662.25
Initial HOA (3 months)$171.00
Prepaid interest, first (1 days)$89.41
Fees + prepaids$12,696.66
Your down payment is the seller’s equity. You take over the $499,019 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $43,577.53 is due at closing. Uses and sources reconcile at $542,596.66 each. Not a Closing Disclosure.