Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$28,792Cash toward the purchase price.
Closing costs + prepaids$12,590Not just lender fees.
Before credits & paid funds$41,383The complete starting cash picture.
Estimated remaining funds due at closing
$41,383No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,792.18
Your down payment$28,792.18
Closing costs + prepaids$12,590.48
Total buyer cash needed$41,382.66
Remaining funds due$41,382.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,789.00
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)$846.50
Initial HOA (3 months)$396.00
Prepaid interest, first (1 days)$83.98
Fees + prepaids$12,590.48
Your down payment is the seller’s equity. You take over the $450,108 balance, so the rest of the $478,900 price is paid at closing. A second mortgage can cover part of it. $41,382.66 is due at closing. Uses and sources reconcile at $491,490.48 each. Not a Closing Disclosure.