Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$12,135Cash toward the purchase price.
Closing costs + prepaids$13,361Not just lender fees.
Before credits & paid funds$25,496The complete starting cash picture.
Estimated remaining funds due at closing
$25,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,134.99
Your down payment$12,134.99
Closing costs + prepaids$13,361.31
Total buyer cash needed$25,496.30
Remaining funds due$25,496.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$2,178.00
Initial HOA (3 months)$576.00
Prepaid interest, first (1 days)$82.31
Fees + prepaids$13,361.31
Your down payment is the seller’s equity. You take over the $417,865 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $25,496.30 is due at closing. Uses and sources reconcile at $443,361.31 each. Not a Closing Disclosure.