Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$26,554Cash toward the purchase price.
Closing costs + prepaids$10,733Not just lender fees.
Before credits & paid funds$37,287The complete starting cash picture.
Estimated remaining funds due at closing
$37,287No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,554.33
Your down payment$26,554.33
Closing costs + prepaids$10,733.01
Total buyer cash needed$37,287.33
Remaining funds due$37,287.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,109.99
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)$64.50
Initial HOA (3 months)$264.00
Prepaid interest, first (1 days)$69.52
Fees + prepaids$10,733.01
Your down payment is the seller’s equity. You take over the $384,445 balance, so the rest of the $410,999 price is paid at closing. A second mortgage can cover part of it. $37,287.33 is due at closing. Uses and sources reconcile at $421,732.01 each. Not a Closing Disclosure.