Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$41,799Cash toward the purchase price.
Closing costs + prepaids$13,356Not just lender fees.
Before credits & paid funds$55,155The complete starting cash picture.
Estimated remaining funds due at closing
$55,155No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,799.16
Your down payment$41,799.16
Closing costs + prepaids$13,355.53
Total buyer cash needed$55,154.69
Remaining funds due$55,154.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$1,780.50
Initial HOA (3 months)$372.00
Prepaid interest, first (1 days)$78.03
Fees + prepaids$13,355.53
Your down payment is the seller’s equity. You take over the $423,201 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $55,154.69 is due at closing. Uses and sources reconcile at $478,355.53 each. Not a Closing Disclosure.