Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$20,149Cash toward the purchase price.
Closing costs + prepaids$11,823Not just lender fees.
Before credits & paid funds$31,972The complete starting cash picture.
Estimated remaining funds due at closing
$31,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,149.02
Your down payment$20,149.02
Closing costs + prepaids$11,822.85
Total buyer cash needed$31,971.87
Remaining funds due$31,971.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,040.00
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)$1,374.50
Initial HOA (3 months)$114.99
Prepaid interest, first (1 days)$68.36
Fees + prepaids$11,822.85
Your down payment is the seller’s equity. You take over the $383,851 balance, so the rest of the $404,000 price is paid at closing. A second mortgage can cover part of it. $31,971.87 is due at closing. Uses and sources reconcile at $415,822.85 each. Not a Closing Disclosure.