Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$27,053Cash toward the purchase price.
Closing costs + prepaids$11,344Not just lender fees.
Before credits & paid funds$38,397The complete starting cash picture.
Estimated remaining funds due at closing
$38,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,053.12
Your down payment$27,053.12
Closing costs + prepaids$11,343.88
Total buyer cash needed$38,397.00
Remaining funds due$38,397.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$244.25
Initial HOA (3 months)$504.00
Prepaid interest, first (1 days)$71.63
Fees + prepaids$11,343.88
Your down payment is the seller’s equity. You take over the $402,847 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $38,397.00 is due at closing. Uses and sources reconcile at $441,243.88 each. Not a Closing Disclosure.