Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$42,007Cash toward the purchase price.
Closing costs + prepaids$11,952Not just lender fees.
Before credits & paid funds$53,958The complete starting cash picture.
Estimated remaining funds due at closing
$53,958No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,006.60
Your down payment$42,006.60
Closing costs + prepaids$11,951.63
Total buyer cash needed$53,958.23
Remaining funds due$53,958.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,540.00
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)$603.75
Initial HOA (3 months)$255.00
Prepaid interest, first (1 days)$77.88
Fees + prepaids$11,951.63
Your down payment is the seller’s equity. You take over the $411,993 balance, so the rest of the $454,000 price is paid at closing. A second mortgage can cover part of it. $53,958.23 is due at closing. Uses and sources reconcile at $465,951.63 each. Not a Closing Disclosure.