Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$30,617Cash toward the purchase price.
Closing costs + prepaids$11,906Not just lender fees.
Before credits & paid funds$42,522The complete starting cash picture.
Estimated remaining funds due at closing
$42,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,616.80
Your down payment$30,616.80
Closing costs + prepaids$11,905.58
Total buyer cash needed$42,522.38
Remaining funds due$42,522.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$742.00
Initial HOA (3 months)$379.50
Prepaid interest, first (1 days)$60.08
Fees + prepaids$11,905.58
Your down payment is the seller’s equity. You take over the $419,283 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $42,522.38 is due at closing. Uses and sources reconcile at $461,805.58 each. Not a Closing Disclosure.