Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$45,090Cash toward the purchase price.
Closing costs + prepaids$11,719Not just lender fees.
Before credits & paid funds$56,809The complete starting cash picture.
Estimated remaining funds due at closing
$56,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,089.99
Your down payment$45,089.99
Closing costs + prepaids$11,719.29
Total buyer cash needed$56,809.29
Remaining funds due$56,809.29
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)$758.00
Initial HOA (3 months)$303.00
Prepaid interest, first (2 days)$133.29
Fees + prepaids$11,719.29
Your down payment is the seller’s equity. You take over the $384,910 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $56,809.29 is due at closing. Uses and sources reconcile at $441,719.29 each. Not a Closing Disclosure.