Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$51,465Cash toward the purchase price.
Closing costs + prepaids$11,074Not just lender fees.
Before credits & paid funds$62,539The complete starting cash picture.
Estimated remaining funds due at closing
$62,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,464.76
Your down payment$51,464.76
Closing costs + prepaids$11,074.30
Total buyer cash needed$62,539.06
Remaining funds due$62,539.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$290.00
Initial HOA (3 months)$195.00
Prepaid interest, first (2 days)$64.30
Fees + prepaids$11,074.30
Your down payment is the seller’s equity. You take over the $378,535 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $62,539.06 is due at closing. Uses and sources reconcile at $441,074.30 each. Not a Closing Disclosure.