Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$30,816Cash toward the purchase price.
Closing costs + prepaids$11,874Not just lender fees.
Before credits & paid funds$42,689The complete starting cash picture.
Estimated remaining funds due at closing
$42,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,815.62
Your down payment$30,815.62
Closing costs + prepaids$11,873.83
Total buyer cash needed$42,689.45
Remaining funds due$42,689.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$1,072.00
Prepaid interest, first (1 days)$76.83
Fees + prepaids$11,873.83
Your down payment is the seller’s equity. You take over the $419,184 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $42,689.45 is due at closing. Uses and sources reconcile at $461,873.83 each. Not a Closing Disclosure.