Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$39,153Cash toward the purchase price.
Closing costs + prepaids$12,053Not just lender fees.
Before credits & paid funds$51,205The complete starting cash picture.
Estimated remaining funds due at closing
$51,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,152.95
Your down payment$39,152.95
Closing costs + prepaids$12,052.51
Total buyer cash needed$51,205.46
Remaining funds due$51,205.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$582.50
Initial HOA (3 months)$129.99
Prepaid interest, first (2 days)$165.02
Fees + prepaids$12,052.51
Your down payment is the seller’s equity. You take over the $430,847 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $51,205.46 is due at closing. Uses and sources reconcile at $482,052.51 each. Not a Closing Disclosure.