Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$65,808Cash toward the purchase price.
Closing costs + prepaids$11,757Not just lender fees.
Before credits & paid funds$77,565The complete starting cash picture.
Estimated remaining funds due at closing
$77,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,808.39
Your down payment$65,808.39
Closing costs + prepaids$11,756.92
Total buyer cash needed$77,565.31
Remaining funds due$77,565.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$272.50
Initial HOA (3 months)$1,200.00
Prepaid interest, first (1 days)$59.42
Fees + prepaids$11,756.92
Your down payment is the seller’s equity. You take over the $334,192 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $77,565.31 is due at closing. Uses and sources reconcile at $411,756.92 each. Not a Closing Disclosure.