Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$41,784Cash toward the purchase price.
Closing costs + prepaids$11,362Not just lender fees.
Before credits & paid funds$53,146The complete starting cash picture.
Estimated remaining funds due at closing
$53,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,784.48
Your down payment$41,784.48
Closing costs + prepaids$11,361.54
Total buyer cash needed$53,146.02
Remaining funds due$53,146.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.00
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)$1,068.75
Initial HOA (3 months)$873.00
Prepaid interest, first (1 days)$45.79
Fees + prepaids$11,361.54
Your down payment is the seller’s equity. You take over the $273,116 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $53,146.02 is due at closing. Uses and sources reconcile at $326,261.54 each. Not a Closing Disclosure.