Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$67,794Cash toward the purchase price.
Closing costs + prepaids$10,789Not just lender fees.
Before credits & paid funds$78,583The complete starting cash picture.
Estimated remaining funds due at closing
$78,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,793.52
Your down payment$67,793.52
Closing costs + prepaids$10,789.48
Total buyer cash needed$78,583.00
Remaining funds due$78,583.00
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)$297.25
Initial HOA (3 months)$216.00
Prepaid interest, first (2 days)$52.23
Fees + prepaids$10,789.48
Your down payment is the seller’s equity. You take over the $332,106 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $78,583.00 is due at closing. Uses and sources reconcile at $410,689.48 each. Not a Closing Disclosure.