Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$29,327Cash toward the purchase price.
Closing costs + prepaids$10,967Not just lender fees.
Before credits & paid funds$40,294The complete starting cash picture.
Estimated remaining funds due at closing
$40,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,327.21
Your down payment$29,327.21
Closing costs + prepaids$10,967.16
Total buyer cash needed$40,294.37
Remaining funds due$40,294.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,289.00
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)$25.00
Initial HOA (3 months)$357.00
Prepaid interest, first (1 days)$71.16
Fees + prepaids$10,967.16
Your down payment is the seller’s equity. You take over the $399,573 balance, so the rest of the $428,900 price is paid at closing. A second mortgage can cover part of it. $40,294.37 is due at closing. Uses and sources reconcile at $439,867.16 each. Not a Closing Disclosure.