Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$18,157Cash toward the purchase price.
Closing costs + prepaids$11,721Not just lender fees.
Before credits & paid funds$29,878The complete starting cash picture.
Estimated remaining funds due at closing
$29,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,156.57
Your down payment$18,156.57
Closing costs + prepaids$11,720.97
Total buyer cash needed$29,877.54
Remaining funds due$29,877.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,210.00
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)$913.00
Initial HOA (3 months)$303.00
Prepaid interest, first (1 days)$69.97
Fees + prepaids$11,720.97
Your down payment is the seller’s equity. You take over the $402,843 balance, so the rest of the $421,000 price is paid at closing. A second mortgage can cover part of it. $29,877.54 is due at closing. Uses and sources reconcile at $432,720.97 each. Not a Closing Disclosure.