Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$37,897Cash toward the purchase price.
Closing costs + prepaids$12,058Not just lender fees.
Before credits & paid funds$49,956The complete starting cash picture.
Estimated remaining funds due at closing
$49,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,897.34
Your down payment$37,897.34
Closing costs + prepaids$12,058.31
Total buyer cash needed$49,955.65
Remaining funds due$49,955.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,600.00
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)$405.75
Initial HOA (3 months)$498.00
Prepaid interest, first (1 days)$79.56
Fees + prepaids$12,058.31
Your down payment is the seller’s equity. You take over the $422,103 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $49,955.65 is due at closing. Uses and sources reconcile at $472,058.31 each. Not a Closing Disclosure.