Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$21,255Cash toward the purchase price.
Closing costs + prepaids$12,399Not just lender fees.
Before credits & paid funds$33,654The complete starting cash picture.
Estimated remaining funds due at closing
$33,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,254.61
Your down payment$21,254.61
Closing costs + prepaids$12,398.95
Total buyer cash needed$33,653.56
Remaining funds due$33,653.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$1,516.75
Initial HOA (3 months)$195.00
Prepaid interest, first (1 days)$63.20
Fees + prepaids$12,398.95
Your down payment is the seller’s equity. You take over the $418,645 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $33,653.56 is due at closing. Uses and sources reconcile at $452,298.95 each. Not a Closing Disclosure.