Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$17,319Cash toward the purchase price.
Closing costs + prepaids$11,891Not just lender fees.
Before credits & paid funds$29,210The complete starting cash picture.
Estimated remaining funds due at closing
$29,210No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,318.65
Your down payment$17,318.65
Closing costs + prepaids$11,891.19
Total buyer cash needed$29,209.84
Remaining funds due$29,209.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$1,322.50
Initial HOA (3 months)$68.01
Prepaid interest, first (1 days)$75.68
Fees + prepaids$11,891.19
Your down payment is the seller’s equity. You take over the $402,681 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $29,209.84 is due at closing. Uses and sources reconcile at $431,891.19 each. Not a Closing Disclosure.