Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$21,940Cash toward the purchase price.
Closing costs + prepaids$11,853Not just lender fees.
Before credits & paid funds$33,792The complete starting cash picture.
Estimated remaining funds due at closing
$33,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,939.55
Your down payment$21,939.55
Closing costs + prepaids$11,852.94
Total buyer cash needed$33,792.49
Remaining funds due$33,792.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,820.00
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)$9.25
Initial HOA (3 months)$465.00
Prepaid interest, first (1 days)$83.69
Fees + prepaids$11,852.94
Your down payment is the seller’s equity. You take over the $460,060 balance, so the rest of the $482,000 price is paid at closing. A second mortgage can cover part of it. $33,792.49 is due at closing. Uses and sources reconcile at $493,852.94 each. Not a Closing Disclosure.