Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$37,227Cash toward the purchase price.
Closing costs + prepaids$11,310Not just lender fees.
Before credits & paid funds$48,537The complete starting cash picture.
Estimated remaining funds due at closing
$48,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,227.22
Your down payment$37,227.22
Closing costs + prepaids$11,310.15
Total buyer cash needed$48,537.37
Remaining funds due$48,537.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.99
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)$500.00
Initial HOA (3 months)$315.00
Prepaid interest, first (1 days)$70.16
Fees + prepaids$11,310.15
Your down payment is the seller’s equity. You take over the $382,772 balance, so the rest of the $419,999 price is paid at closing. A second mortgage can cover part of it. $48,537.37 is due at closing. Uses and sources reconcile at $431,309.15 each. Not a Closing Disclosure.