Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$28,877Cash toward the purchase price.
Closing costs + prepaids$12,885Not just lender fees.
Before credits & paid funds$41,762The complete starting cash picture.
Estimated remaining funds due at closing
$41,762No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,877.27
Your down payment$28,877.27
Closing costs + prepaids$12,884.58
Total buyer cash needed$41,761.85
Remaining funds due$41,761.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$1,949.25
Initial HOA (3 months)$285.00
Prepaid interest, first (1 days)$75.33
Fees + prepaids$12,884.58
Your down payment is the seller’s equity. You take over the $406,123 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $41,761.85 is due at closing. Uses and sources reconcile at $447,884.58 each. Not a Closing Disclosure.