Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$37,388Cash toward the purchase price.
Closing costs + prepaids$11,411Not just lender fees.
Before credits & paid funds$48,800The complete starting cash picture.
Estimated remaining funds due at closing
$48,800No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,388.42
Your down payment$37,388.42
Closing costs + prepaids$11,411.39
Total buyer cash needed$48,799.81
Remaining funds due$48,799.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,489.00
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)$337.25
Initial HOA (3 months)$297.00
Prepaid interest, first (1 days)$63.14
Fees + prepaids$11,411.39
Your down payment is the seller’s equity. You take over the $411,512 balance, so the rest of the $448,900 price is paid at closing. A second mortgage can cover part of it. $48,799.81 is due at closing. Uses and sources reconcile at $460,311.39 each. Not a Closing Disclosure.