Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$18,427Cash toward the purchase price.
Closing costs + prepaids$12,518Not just lender fees.
Before credits & paid funds$30,945The complete starting cash picture.
Estimated remaining funds due at closing
$30,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,426.94
Your down payment$18,426.94
Closing costs + prepaids$12,518.06
Total buyer cash needed$30,944.99
Remaining funds due$30,944.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$611.75
Initial HOA (3 months)$600.00
Prepaid interest, first (1 days)$81.31
Fees + prepaids$12,518.06
Your down payment is the seller’s equity. You take over the $456,573 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $30,944.99 is due at closing. Uses and sources reconcile at $487,518.06 each. Not a Closing Disclosure.