Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$76,223Cash toward the purchase price.
Closing costs + prepaids$11,826Not just lender fees.
Before credits & paid funds$88,048The complete starting cash picture.
Estimated remaining funds due at closing
$88,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,222.66
Your down payment$76,222.66
Closing costs + prepaids$11,825.73
Total buyer cash needed$88,048.40
Remaining funds due$88,048.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$425.00
Initial HOA (3 months)$207.99
Prepaid interest, first (1 days)$67.74
Fees + prepaids$11,825.73
Your down payment is the seller’s equity. You take over the $388,777 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $88,048.40 is due at closing. Uses and sources reconcile at $476,825.73 each. Not a Closing Disclosure.