Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$31,714Cash toward the purchase price.
Closing costs + prepaids$13,327Not just lender fees.
Before credits & paid funds$45,041The complete starting cash picture.
Estimated remaining funds due at closing
$45,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,713.63
Your down payment$31,713.63
Closing costs + prepaids$13,327.07
Total buyer cash needed$45,040.70
Remaining funds due$45,040.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$1,530.75
Initial HOA (3 months)$345.00
Prepaid interest, first (1 days)$86.32
Fees + prepaids$13,327.07
Your down payment is the seller’s equity. You take over the $457,286 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $45,040.70 is due at closing. Uses and sources reconcile at $502,327.07 each. Not a Closing Disclosure.