Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$24,494Cash toward the purchase price.
Closing costs + prepaids$11,579Not just lender fees.
Before credits & paid funds$36,072The complete starting cash picture.
Estimated remaining funds due at closing
$36,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,493.55
Your down payment$24,493.55
Closing costs + prepaids$11,578.53
Total buyer cash needed$36,072.08
Remaining funds due$36,072.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.90
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)$5.00
Initial HOA (3 months)$321.00
Prepaid interest, first (1 days)$77.63
Fees + prepaids$11,578.53
Your down payment is the seller’s equity. You take over the $445,496 balance, so the rest of the $469,990 price is paid at closing. A second mortgage can cover part of it. $36,072.08 is due at closing. Uses and sources reconcile at $481,568.53 each. Not a Closing Disclosure.