Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$48,522Cash toward the purchase price.
Closing costs + prepaids$10,122Not just lender fees.
Before credits & paid funds$58,643The complete starting cash picture.
Estimated remaining funds due at closing
$58,643No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,521.66
Your down payment$48,521.66
Closing costs + prepaids$10,121.62
Total buyer cash needed$58,643.28
Remaining funds due$58,643.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.95
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)$238.00
Initial HOA (3 months)$336.00
Prepaid interest, first (1 days)$22.67
Fees + prepaids$10,121.62
Your down payment is the seller’s equity. You take over the $281,473 balance, so the rest of the $329,995 price is paid at closing. A second mortgage can cover part of it. $58,643.28 is due at closing. Uses and sources reconcile at $340,116.62 each. Not a Closing Disclosure.