Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$51,298Cash toward the purchase price.
Closing costs + prepaids$11,700Not just lender fees.
Before credits & paid funds$62,998The complete starting cash picture.
Estimated remaining funds due at closing
$62,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,297.99
Your down payment$51,297.99
Closing costs + prepaids$11,699.75
Total buyer cash needed$62,997.74
Remaining funds due$62,997.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,589.19
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)$120.00
Initial HOA (3 months)$471.00
Prepaid interest, first (1 days)$44.56
Fees + prepaids$11,699.75
Your down payment is the seller’s equity. You take over the $407,621 balance, so the rest of the $458,919 price is paid at closing. A second mortgage can cover part of it. $62,997.74 is due at closing. Uses and sources reconcile at $470,618.75 each. Not a Closing Disclosure.