Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$38,196Cash toward the purchase price.
Closing costs + prepaids$11,446Not just lender fees.
Before credits & paid funds$49,641The complete starting cash picture.
Estimated remaining funds due at closing
$49,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,195.62
Your down payment$38,195.62
Closing costs + prepaids$11,445.52
Total buyer cash needed$49,641.14
Remaining funds due$49,641.14
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)$360.75
Initial HOA (3 months)$417.00
Prepaid interest, first (2 days)$142.77
Fees + prepaids$11,445.52
Your down payment is the seller’s equity. You take over the $391,804 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $49,641.14 is due at closing. Uses and sources reconcile at $441,445.52 each. Not a Closing Disclosure.