Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$35,820Cash toward the purchase price.
Closing costs + prepaids$11,004Not just lender fees.
Before credits & paid funds$46,824The complete starting cash picture.
Estimated remaining funds due at closing
$46,824No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,820.39
Your down payment$35,820.39
Closing costs + prepaids$11,003.80
Total buyer cash needed$46,824.19
Remaining funds due$46,824.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$322.25
Initial HOA (3 months)$390.00
Prepaid interest, first (1 days)$66.55
Fees + prepaids$11,003.80
Your down payment is the seller’s equity. You take over the $364,180 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $46,824.19 is due at closing. Uses and sources reconcile at $411,003.80 each. Not a Closing Disclosure.