Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$23,345Cash toward the purchase price.
Closing costs + prepaids$13,168Not just lender fees.
Before credits & paid funds$36,513The complete starting cash picture.
Estimated remaining funds due at closing
$36,513No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,345.17
Your down payment$23,345.17
Closing costs + prepaids$13,168.04
Total buyer cash needed$36,513.20
Remaining funds due$36,513.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$1,504.50
Initial HOA (3 months)$270.00
Prepaid interest, first (2 days)$168.54
Fees + prepaids$13,168.04
Your down payment is the seller’s equity. You take over the $451,655 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $36,513.20 is due at closing. Uses and sources reconcile at $488,168.04 each. Not a Closing Disclosure.