Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$11,573Cash toward the purchase price.
Closing costs + prepaids$11,631Not just lender fees.
Before credits & paid funds$23,204The complete starting cash picture.
Estimated remaining funds due at closing
$23,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,572.80
Your down payment$11,572.80
Closing costs + prepaids$11,630.84
Total buyer cash needed$23,203.63
Remaining funds due$23,203.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
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)$471.50
Initial HOA (3 months)$570.00
Prepaid interest, first (1 days)$74.34
Fees + prepaids$11,630.84
Your down payment is the seller’s equity. You take over the $417,427 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $23,203.63 is due at closing. Uses and sources reconcile at $440,630.84 each. Not a Closing Disclosure.