Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$59,823Cash toward the purchase price.
Closing costs + prepaids$10,234Not just lender fees.
Before credits & paid funds$70,057The complete starting cash picture.
Estimated remaining funds due at closing
$70,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,822.73
Your down payment$59,822.73
Closing costs + prepaids$10,234.42
Total buyer cash needed$70,057.15
Remaining funds due$70,057.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$509.00
Initial HOA (3 months)$170.01
Prepaid interest, first (2 days)$40.41
Fees + prepaids$10,234.42
Your down payment is the seller’s equity. You take over the $269,177 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $70,057.15 is due at closing. Uses and sources reconcile at $339,234.42 each. Not a Closing Disclosure.