Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$43,982Cash toward the purchase price.
Closing costs + prepaids$11,396Not just lender fees.
Before credits & paid funds$55,378The complete starting cash picture.
Estimated remaining funds due at closing
$55,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,981.69
Your down payment$43,981.69
Closing costs + prepaids$11,396.10
Total buyer cash needed$55,377.79
Remaining funds due$55,377.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$413.00
Initial HOA (3 months)$324.00
Prepaid interest, first (2 days)$134.10
Fees + prepaids$11,396.10
Your down payment is the seller’s equity. You take over the $386,018 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $55,377.79 is due at closing. Uses and sources reconcile at $441,396.10 each. Not a Closing Disclosure.