Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$43,468Cash toward the purchase price.
Closing costs + prepaids$10,781Not just lender fees.
Before credits & paid funds$54,249The complete starting cash picture.
Estimated remaining funds due at closing
$54,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,467.52
Your down payment$43,467.52
Closing costs + prepaids$10,781.35
Total buyer cash needed$54,248.87
Remaining funds due$54,248.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,840.00
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)$317.75
Initial HOA (3 months)$336.00
Prepaid interest, first (1 days)$62.60
Fees + prepaids$10,781.35
Your down payment is the seller’s equity. You take over the $340,532 balance, so the rest of the $384,000 price is paid at closing. A second mortgage can cover part of it. $54,248.87 is due at closing. Uses and sources reconcile at $394,781.35 each. Not a Closing Disclosure.