Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$40,998Cash toward the purchase price.
Closing costs + prepaids$11,354Not just lender fees.
Before credits & paid funds$52,352The complete starting cash picture.
Estimated remaining funds due at closing
$52,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,998.28
Your down payment$40,998.28
Closing costs + prepaids$11,353.69
Total buyer cash needed$52,351.97
Remaining funds due$52,351.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$625.75
Initial HOA (3 months)$285.00
Prepaid interest, first (1 days)$67.94
Fees + prepaids$11,353.69
Your down payment is the seller’s equity. You take over the $374,002 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $52,351.97 is due at closing. Uses and sources reconcile at $426,353.69 each. Not a Closing Disclosure.