Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$24,478Cash toward the purchase price.
Closing costs + prepaids$13,346Not just lender fees.
Before credits & paid funds$37,824The complete starting cash picture.
Estimated remaining funds due at closing
$37,824No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,478.34
Your down payment$24,478.34
Closing costs + prepaids$13,345.64
Total buyer cash needed$37,823.98
Remaining funds due$37,823.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$2,017.25
Initial HOA (3 months)$18.75
Prepaid interest, first (1 days)$85.64
Fees + prepaids$13,345.64
Your down payment is the seller’s equity. You take over the $450,422 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $37,823.98 is due at closing. Uses and sources reconcile at $488,245.64 each. Not a Closing Disclosure.