Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$21,441Cash toward the purchase price.
Closing costs + prepaids$11,142Not just lender fees.
Before credits & paid funds$32,583The complete starting cash picture.
Estimated remaining funds due at closing
$32,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,441.00
Your down payment$21,441.00
Closing costs + prepaids$11,142.45
Total buyer cash needed$32,583.45
Remaining funds due$32,583.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,298.00
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)$316.75
Initial HOA (3 months)$237.99
Prepaid interest, first (1 days)$64.71
Fees + prepaids$11,142.45
Your down payment is the seller’s equity. You take over the $408,359 balance, so the rest of the $429,800 price is paid at closing. A second mortgage can cover part of it. $32,583.45 is due at closing. Uses and sources reconcile at $440,942.45 each. Not a Closing Disclosure.