Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$40,438Cash toward the purchase price.
Closing costs + prepaids$10,899Not just lender fees.
Before credits & paid funds$51,337The complete starting cash picture.
Estimated remaining funds due at closing
$51,337No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,438.29
Your down payment$40,438.29
Closing costs + prepaids$10,898.65
Total buyer cash needed$51,336.95
Remaining funds due$51,336.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,740.00
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)$659.50
Initial HOA (3 months)$210.00
Prepaid interest, first (1 days)$64.15
Fees + prepaids$10,898.65
Your down payment is the seller’s equity. You take over the $333,562 balance, so the rest of the $374,000 price is paid at closing. A second mortgage can cover part of it. $51,336.95 is due at closing. Uses and sources reconcile at $384,898.65 each. Not a Closing Disclosure.