Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$39,061Cash toward the purchase price.
Closing costs + prepaids$11,886Not just lender fees.
Before credits & paid funds$50,946The complete starting cash picture.
Estimated remaining funds due at closing
$50,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,060.59
Your down payment$39,060.59
Closing costs + prepaids$11,885.85
Total buyer cash needed$50,946.44
Remaining funds due$50,946.44
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)$357.00
Initial HOA (3 months)$312.00
Prepaid interest, first (2 days)$141.85
Fees + prepaids$11,885.85
Your down payment is the seller’s equity. You take over the $420,939 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $50,946.44 is due at closing. Uses and sources reconcile at $471,885.85 each. Not a Closing Disclosure.