Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$70,783Cash toward the purchase price.
Closing costs + prepaids$11,178Not just lender fees.
Before credits & paid funds$81,961The complete starting cash picture.
Estimated remaining funds due at closing
$81,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,783.31
Your down payment$70,783.31
Closing costs + prepaids$11,177.78
Total buyer cash needed$81,961.09
Remaining funds due$81,961.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,949.00
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)$584.50
Initial HOA (3 months)$393.00
Prepaid interest, first (1 days)$26.28
Fees + prepaids$11,177.78
Your down payment is the seller’s equity. You take over the $324,117 balance, so the rest of the $394,900 price is paid at closing. A second mortgage can cover part of it. $81,961.09 is due at closing. Uses and sources reconcile at $406,077.78 each. Not a Closing Disclosure.