Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$41,740Cash toward the purchase price.
Closing costs + prepaids$12,597Not just lender fees.
Before credits & paid funds$54,337The complete starting cash picture.
Estimated remaining funds due at closing
$54,337No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,740.35
Your down payment$41,740.35
Closing costs + prepaids$12,596.94
Total buyer cash needed$54,337.29
Remaining funds due$54,337.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$760.75
Initial HOA (3 months)$285.00
Prepaid interest, first (1 days)$86.19
Fees + prepaids$12,596.94
Your down payment is the seller’s equity. You take over the $457,260 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $54,337.29 is due at closing. Uses and sources reconcile at $511,596.94 each. Not a Closing Disclosure.