Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$42,007Cash toward the purchase price.
Closing costs + prepaids$12,030Not just lender fees.
Before credits & paid funds$54,036The complete starting cash picture.
Estimated remaining funds due at closing
$54,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,006.60
Your down payment$42,006.60
Closing costs + prepaids$12,029.52
Total buyer cash needed$54,036.12
Remaining funds due$54,036.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,540.00
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)$603.75
Initial HOA (3 months)$255.00
Prepaid interest, first (2 days)$155.77
Fees + prepaids$12,029.52
Your down payment is the seller’s equity. You take over the $411,993 balance, so the rest of the $454,000 price is paid at closing. A second mortgage can cover part of it. $54,036.12 is due at closing. Uses and sources reconcile at $466,029.52 each. Not a Closing Disclosure.