Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$65,703Cash toward the purchase price.
Closing costs + prepaids$10,500Not just lender fees.
Before credits & paid funds$76,203The complete starting cash picture.
Estimated remaining funds due at closing
$76,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,702.99
Your down payment$65,702.99
Closing costs + prepaids$10,500.00
Total buyer cash needed$76,202.99
Remaining funds due$76,202.99
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)$266.00
Prepaid interest, first (1 days)$59.00
Fees + prepaids$10,500.00
Your down payment is the seller’s equity. You take over the $329,297 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $76,202.99 is due at closing. Uses and sources reconcile at $405,500.00 each. Not a Closing Disclosure.