Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$42,563Cash toward the purchase price.
Closing costs + prepaids$10,476Not just lender fees.
Before credits & paid funds$53,040The complete starting cash picture.
Estimated remaining funds due at closing
$53,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,563.39
Your down payment$42,563.39
Closing costs + prepaids$10,476.11
Total buyer cash needed$53,039.50
Remaining funds due$53,039.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$48.00
Initial HOA (3 months)$186.00
Prepaid interest, first (1 days)$67.11
Fees + prepaids$10,476.11
Your down payment is the seller’s equity. You take over the $352,437 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $53,039.50 is due at closing. Uses and sources reconcile at $405,476.11 each. Not a Closing Disclosure.