Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$29,897Cash toward the purchase price.
Closing costs + prepaids$11,325Not just lender fees.
Before credits & paid funds$41,222The complete starting cash picture.
Estimated remaining funds due at closing
$41,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,896.71
Your down payment$29,896.71
Closing costs + prepaids$11,324.84
Total buyer cash needed$41,221.55
Remaining funds due$41,221.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,960.00
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)$800.00
Initial HOA (3 months)$195.00
Prepaid interest, first (2 days)$144.84
Fees + prepaids$11,324.84
Your down payment is the seller’s equity. You take over the $366,103 balance, so the rest of the $396,000 price is paid at closing. A second mortgage can cover part of it. $41,221.55 is due at closing. Uses and sources reconcile at $407,324.84 each. Not a Closing Disclosure.