Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$69,122Cash toward the purchase price.
Closing costs + prepaids$10,926Not just lender fees.
Before credits & paid funds$80,048The complete starting cash picture.
Estimated remaining funds due at closing
$80,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,122.09
Your down payment$69,122.09
Closing costs + prepaids$10,926.28
Total buyer cash needed$80,048.37
Remaining funds due$80,048.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$505.00
Initial HOA (3 months)$171.00
Prepaid interest, first (1 days)$26.28
Fees + prepaids$10,926.28
Your down payment is the seller’s equity. You take over the $330,778 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $80,048.37 is due at closing. Uses and sources reconcile at $410,826.28 each. Not a Closing Disclosure.