Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$65,417Cash toward the purchase price.
Closing costs + prepaids$10,808Not just lender fees.
Before credits & paid funds$76,225The complete starting cash picture.
Estimated remaining funds due at closing
$76,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,416.56
Your down payment$65,416.56
Closing costs + prepaids$10,808.01
Total buyer cash needed$76,224.57
Remaining funds due$76,224.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$402.25
Initial HOA (3 months)$176.76
Prepaid interest, first (1 days)$54.00
Fees + prepaids$10,808.01
Your down payment is the seller’s equity. You take over the $329,583 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $76,224.57 is due at closing. Uses and sources reconcile at $405,808.01 each. Not a Closing Disclosure.