Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$17,868Cash toward the purchase price.
Closing costs + prepaids$12,003Not just lender fees.
Before credits & paid funds$29,871The complete starting cash picture.
Estimated remaining funds due at closing
$29,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,868.02
Your down payment$17,868.02
Closing costs + prepaids$12,003.19
Total buyer cash needed$29,871.21
Remaining funds due$29,871.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$505.00
Initial HOA (3 months)$234.00
Prepaid interest, first (1 days)$89.19
Fees + prepaids$12,003.19
Your down payment is the seller’s equity. You take over the $452,132 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $29,871.21 is due at closing. Uses and sources reconcile at $482,003.19 each. Not a Closing Disclosure.