Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$40,751Cash toward the purchase price.
Closing costs + prepaids$12,183Not just lender fees.
Before credits & paid funds$52,933The complete starting cash picture.
Estimated remaining funds due at closing
$52,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,750.82
Your down payment$40,750.82
Closing costs + prepaids$12,182.63
Total buyer cash needed$52,933.45
Remaining funds due$52,933.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,789.99
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)$460.75
Initial HOA (3 months)$375.00
Prepaid interest, first (1 days)$81.89
Fees + prepaids$12,182.63
Your down payment is the seller’s equity. You take over the $438,248 balance, so the rest of the $478,999 price is paid at closing. A second mortgage can cover part of it. $52,933.45 is due at closing. Uses and sources reconcile at $491,181.63 each. Not a Closing Disclosure.