Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$17,581Cash toward the purchase price.
Closing costs + prepaids$12,007Not just lender fees.
Before credits & paid funds$29,588The complete starting cash picture.
Estimated remaining funds due at closing
$29,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,580.77
Your down payment$17,580.77
Closing costs + prepaids$12,007.24
Total buyer cash needed$29,588.01
Remaining funds due$29,588.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,375.00
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)$1,107.00
Initial HOA (3 months)$225.00
Prepaid interest, first (1 days)$75.24
Fees + prepaids$12,007.24
Your down payment is the seller’s equity. You take over the $419,919 balance, so the rest of the $437,500 price is paid at closing. A second mortgage can cover part of it. $29,588.01 is due at closing. Uses and sources reconcile at $449,507.24 each. Not a Closing Disclosure.