Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$26,789Cash toward the purchase price.
Closing costs + prepaids$12,317Not just lender fees.
Before credits & paid funds$39,106The complete starting cash picture.
Estimated remaining funds due at closing
$39,106No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,789.14
Your down payment$26,789.14
Closing costs + prepaids$12,316.68
Total buyer cash needed$39,105.82
Remaining funds due$39,105.82
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)$1,351.25
Initial HOA (3 months)$165.99
Prepaid interest, first (1 days)$74.44
Fees + prepaids$12,316.68
Your down payment is the seller’s equity. You take over the $423,211 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $39,105.82 is due at closing. Uses and sources reconcile at $462,316.68 each. Not a Closing Disclosure.