Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$45,759Cash toward the purchase price.
Closing costs + prepaids$12,532Not just lender fees.
Before credits & paid funds$58,291The complete starting cash picture.
Estimated remaining funds due at closing
$58,291No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,758.58
Your down payment$45,758.58
Closing costs + prepaids$12,532.40
Total buyer cash needed$58,290.98
Remaining funds due$58,290.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,180.00
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)$1,887.25
Initial HOA (3 months)$171.00
Prepaid interest, first (1 days)$69.15
Fees + prepaids$12,532.40
Your down payment is the seller’s equity. You take over the $372,241 balance, so the rest of the $418,000 price is paid at closing. A second mortgage can cover part of it. $58,290.98 is due at closing. Uses and sources reconcile at $430,532.40 each. Not a Closing Disclosure.