Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$31,045Cash toward the purchase price.
Closing costs + prepaids$11,817Not just lender fees.
Before credits & paid funds$42,862The complete starting cash picture.
Estimated remaining funds due at closing
$42,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,044.89
Your down payment$31,044.89
Closing costs + prepaids$11,816.91
Total buyer cash needed$42,861.80
Remaining funds due$42,861.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.99
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)$747.00
Initial HOA (3 months)$285.00
Prepaid interest, first (1 days)$59.92
Fees + prepaids$11,816.91
Your down payment is the seller’s equity. You take over the $418,954 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $42,861.80 is due at closing. Uses and sources reconcile at $461,815.91 each. Not a Closing Disclosure.