Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$63,459Cash toward the purchase price.
Closing costs + prepaids$11,776Not just lender fees.
Before credits & paid funds$75,235The complete starting cash picture.
Estimated remaining funds due at closing
$75,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,458.75
Your down payment$63,458.75
Closing costs + prepaids$11,776.33
Total buyer cash needed$75,235.08
Remaining funds due$75,235.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,440.00
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)$653.25
Initial HOA (3 months)$324.00
Prepaid interest, first (2 days)$134.08
Fees + prepaids$11,776.33
Your down payment is the seller’s equity. You take over the $380,541 balance, so the rest of the $444,000 price is paid at closing. A second mortgage can cover part of it. $75,235.08 is due at closing. Uses and sources reconcile at $455,776.33 each. Not a Closing Disclosure.