Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$31,029Cash toward the purchase price.
Closing costs + prepaids$11,250Not just lender fees.
Before credits & paid funds$42,279The complete starting cash picture.
Estimated remaining funds due at closing
$42,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,029.38
Your down payment$31,029.38
Closing costs + prepaids$11,249.81
Total buyer cash needed$42,279.19
Remaining funds due$42,279.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,085.00
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)$574.25
Initial HOA (3 months)$288.00
Prepaid interest, first (1 days)$77.56
Fees + prepaids$11,249.81
Your down payment is the seller’s equity. You take over the $377,471 balance, so the rest of the $408,500 price is paid at closing. A second mortgage can cover part of it. $42,279.19 is due at closing. Uses and sources reconcile at $419,749.81 each. Not a Closing Disclosure.