Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$33,714Cash toward the purchase price.
Closing costs + prepaids$11,221Not just lender fees.
Before credits & paid funds$44,935The complete starting cash picture.
Estimated remaining funds due at closing
$44,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,713.78
Your down payment$33,713.78
Closing costs + prepaids$11,221.00
Total buyer cash needed$44,934.79
Remaining funds due$44,934.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,255.00
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)$246.75
Initial HOA (3 months)$435.00
Prepaid interest, first (1 days)$59.25
Fees + prepaids$11,221.00
Your down payment is the seller’s equity. You take over the $391,786 balance, so the rest of the $425,500 price is paid at closing. A second mortgage can cover part of it. $44,934.79 is due at closing. Uses and sources reconcile at $436,721.00 each. Not a Closing Disclosure.