Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$42,217Cash toward the purchase price.
Closing costs + prepaids$10,929Not 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$42,217.01
Your down payment$42,217.01
Closing costs + prepaids$10,928.51
Total buyer cash needed$53,145.52
Remaining funds due$53,145.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,280.00
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)$353.75
Prepaid interest, first (1 days)$69.76
Fees + prepaids$10,928.51
Your down payment is the seller’s equity. You take over the $385,783 balance, so the rest of the $428,000 price is paid at closing. A second mortgage can cover part of it. $53,145.52 is due at closing. Uses and sources reconcile at $438,928.51 each. Not a Closing Disclosure.