Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$40,461Cash toward the purchase price.
Closing costs + prepaids$11,829Not just lender fees.
Before credits & paid funds$52,290The complete starting cash picture.
Estimated remaining funds due at closing
$52,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,460.90
Your down payment$40,460.90
Closing costs + prepaids$11,828.89
Total buyer cash needed$52,289.79
Remaining funds due$52,289.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$705.50
Initial HOA (3 months)$255.00
Prepaid interest, first (2 days)$143.39
Fees + prepaids$11,828.89
Your down payment is the seller’s equity. You take over the $409,539 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $52,289.79 is due at closing. Uses and sources reconcile at $461,828.89 each. Not a Closing Disclosure.