Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$43,862Cash toward the purchase price.
Closing costs + prepaids$12,341Not just lender fees.
Before credits & paid funds$56,203The complete starting cash picture.
Estimated remaining funds due at closing
$56,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,861.96
Your down payment$43,861.96
Closing costs + prepaids$12,340.74
Total buyer cash needed$56,202.70
Remaining funds due$56,202.70
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)$835.50
Initial HOA (3 months)$285.00
Prepaid interest, first (1 days)$45.24
Fees + prepaids$12,340.74
Your down payment is the seller’s equity. You take over the $426,138 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $56,202.70 is due at closing. Uses and sources reconcile at $482,340.74 each. Not a Closing Disclosure.