Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$42,056Cash toward the purchase price.
Closing costs + prepaids$11,079Not just lender fees.
Before credits & paid funds$53,134The complete starting cash picture.
Estimated remaining funds due at closing
$53,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,055.73
Your down payment$42,055.73
Closing costs + prepaids$11,078.56
Total buyer cash needed$53,134.30
Remaining funds due$53,134.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$506.50
Initial HOA (3 months)$201.00
Prepaid interest, first (1 days)$47.06
Fees + prepaids$11,078.56
Your down payment is the seller’s equity. You take over the $367,844 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $53,134.30 is due at closing. Uses and sources reconcile at $420,978.56 each. Not a Closing Disclosure.