Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$25,313Cash toward the purchase price.
Closing costs + prepaids$12,698Not just lender fees.
Before credits & paid funds$38,011The complete starting cash picture.
Estimated remaining funds due at closing
$38,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,313.14
Your down payment$25,313.14
Closing costs + prepaids$12,697.87
Total buyer cash needed$38,011.01
Remaining funds due$38,011.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$620.00
Initial HOA (3 months)$1,428.00
Prepaid interest, first (1 days)$74.87
Fees + prepaids$12,697.87
Your down payment is the seller’s equity. You take over the $409,687 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $38,011.01 is due at closing. Uses and sources reconcile at $447,697.87 each. Not a Closing Disclosure.