Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$30,777Cash toward the purchase price.
Closing costs + prepaids$11,230Not just lender fees.
Before credits & paid funds$42,007The complete starting cash picture.
Estimated remaining funds due at closing
$42,007No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,776.98
Your down payment$30,776.98
Closing costs + prepaids$11,230.21
Total buyer cash needed$42,007.20
Remaining funds due$42,007.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$327.25
Initial HOA (3 months)$150.00
Prepaid interest, first (1 days)$77.96
Fees + prepaids$11,230.21
Your down payment is the seller’s equity. You take over the $414,223 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $42,007.20 is due at closing. Uses and sources reconcile at $456,230.21 each. Not a Closing Disclosure.