Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$9,228Cash toward the purchase price.
Closing costs + prepaids$12,148Not just lender fees.
Before credits & paid funds$21,376The complete starting cash picture.
Estimated remaining funds due at closing
$21,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,228.16
Your down payment$9,228.16
Closing costs + prepaids$12,147.51
Total buyer cash needed$21,375.68
Remaining funds due$21,375.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,648.50
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)$547.75
Initial HOA (3 months)$396.00
Prepaid interest, first (1 days)$80.26
Fees + prepaids$12,147.51
Your down payment is the seller’s equity. You take over the $455,622 balance, so the rest of the $464,850 price is paid at closing. A second mortgage can cover part of it. $21,375.68 is due at closing. Uses and sources reconcile at $476,997.51 each. Not a Closing Disclosure.