Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$42,126Cash toward the purchase price.
Closing costs + prepaids$10,828Not just lender fees.
Before credits & paid funds$52,954The complete starting cash picture.
Estimated remaining funds due at closing
$52,954No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,125.55
Your down payment$42,125.55
Closing costs + prepaids$10,828.07
Total buyer cash needed$52,953.62
Remaining funds due$52,953.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,995.00
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)$359.50
Initial HOA (3 months)$186.00
Prepaid interest, first (1 days)$62.57
Fees + prepaids$10,828.07
Your down payment is the seller’s equity. You take over the $357,374 balance, so the rest of the $399,500 price is paid at closing. A second mortgage can cover part of it. $52,953.62 is due at closing. Uses and sources reconcile at $410,328.07 each. Not a Closing Disclosure.