Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$51,494Cash toward the purchase price.
Closing costs + prepaids$11,118Not just lender fees.
Before credits & paid funds$62,612The complete starting cash picture.
Estimated remaining funds due at closing
$62,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,493.82
Your down payment$51,493.82
Closing costs + prepaids$11,118.34
Total buyer cash needed$62,612.16
Remaining funds due$62,612.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$374.00
Initial HOA (3 months)$144.99
Prepaid interest, first (1 days)$74.35
Fees + prepaids$11,118.34
Your down payment is the seller’s equity. You take over the $378,506 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $62,612.16 is due at closing. Uses and sources reconcile at $441,118.34 each. Not a Closing Disclosure.