Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$37,027Cash toward the purchase price.
Closing costs + prepaids$12,248Not just lender fees.
Before credits & paid funds$49,275The complete starting cash picture.
Estimated remaining funds due at closing
$49,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,027.45
Your down payment$37,027.45
Closing costs + prepaids$12,247.80
Total buyer cash needed$49,275.25
Remaining funds due$49,275.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,280.00
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)$325.75
Initial HOA (3 months)$1,350.00
Prepaid interest, first (1 days)$67.05
Fees + prepaids$12,247.80
Your down payment is the seller’s equity. You take over the $390,973 balance, so the rest of the $428,000 price is paid at closing. A second mortgage can cover part of it. $49,275.25 is due at closing. Uses and sources reconcile at $440,247.80 each. Not a Closing Disclosure.