Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$68,618Cash toward the purchase price.
Closing costs + prepaids$9,954Not just lender fees.
Before credits & paid funds$78,571The complete starting cash picture.
Estimated remaining funds due at closing
$78,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,617.68
Your down payment$68,617.68
Closing costs + prepaids$9,953.64
Total buyer cash needed$78,571.32
Remaining funds due$78,571.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$289.50
Initial HOA (3 months)$219.00
Prepaid interest, first (1 days)$21.14
Fees + prepaids$9,953.64
Your down payment is the seller’s equity. You take over the $251,282 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $78,571.32 is due at closing. Uses and sources reconcile at $329,853.64 each. Not a Closing Disclosure.