Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$11,370Cash toward the purchase price.
Closing costs + prepaids$11,740Not just lender fees.
Before credits & paid funds$23,110The complete starting cash picture.
Estimated remaining funds due at closing
$23,110No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,369.87
Your down payment$11,369.87
Closing costs + prepaids$11,740.14
Total buyer cash needed$23,110.01
Remaining funds due$23,110.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$513.00
Initial HOA (3 months)$351.00
Prepaid interest, first (2 days)$161.14
Fees + prepaids$11,740.14
Your down payment is the seller’s equity. You take over the $437,630 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $23,110.01 is due at closing. Uses and sources reconcile at $460,740.14 each. Not a Closing Disclosure.