Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$450,668Cash toward the purchase price.
Closing costs + prepaids$13,620Not just lender fees.
Before credits & paid funds$464,288The complete starting cash picture.
Estimated remaining funds due at closing
$464,288No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$450,667.60
Your down payment$450,667.60
Closing costs + prepaids$13,620.06
Total buyer cash needed$464,287.66
Remaining funds due$464,287.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,899.99
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)$1,037.00
Initial HOA (3 months)$192.99
Prepaid interest, first (1 days)$15.08
Fees + prepaids$13,620.06
Your down payment is the seller’s equity. You take over the $139,331 balance, so the rest of the $589,999 price is paid at closing. A second mortgage can cover part of it. $464,287.66 is due at closing. Uses and sources reconcile at $603,619.06 each. Not a Closing Disclosure.