Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$68,438Cash toward the purchase price.
Closing costs + prepaids$11,474Not just lender fees.
Before credits & paid funds$79,912The complete starting cash picture.
Estimated remaining funds due at closing
$79,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,437.70
Your down payment$68,437.70
Closing costs + prepaids$11,474.18
Total buyer cash needed$79,911.88
Remaining funds due$79,911.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,424.90
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)$500.00
Initial HOA (3 months)$255.00
Prepaid interest, first (1 days)$69.28
Fees + prepaids$11,474.18
Your down payment is the seller’s equity. You take over the $374,052 balance, so the rest of the $442,490 price is paid at closing. A second mortgage can cover part of it. $79,911.88 is due at closing. Uses and sources reconcile at $453,964.18 each. Not a Closing Disclosure.