Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$12,735Cash toward the purchase price.
Closing costs + prepaids$11,678Not just lender fees.
Before credits & paid funds$24,413The complete starting cash picture.
Estimated remaining funds due at closing
$24,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,734.56
Your down payment$12,734.56
Closing costs + prepaids$11,678.45
Total buyer cash needed$24,413.02
Remaining funds due$24,413.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,360.00
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)$607.00
Initial HOA (3 months)$396.00
Prepaid interest, first (1 days)$90.45
Fees + prepaids$11,678.45
Your down payment is the seller’s equity. You take over the $423,265 balance, so the rest of the $436,000 price is paid at closing. A second mortgage can cover part of it. $24,413.02 is due at closing. Uses and sources reconcile at $447,678.45 each. Not a Closing Disclosure.