Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$80,573Cash toward the purchase price.
Closing costs + prepaids$10,644Not just lender fees.
Before credits & paid funds$91,218The complete starting cash picture.
Estimated remaining funds due at closing
$91,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,573.17
Your down payment$80,573.17
Closing costs + prepaids$10,644.48
Total buyer cash needed$91,217.65
Remaining funds due$91,217.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$273.75
Initial HOA (3 months)$114.99
Prepaid interest, first (1 days)$40.74
Fees + prepaids$10,644.48
Your down payment is the seller’s equity. You take over the $318,427 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $91,217.65 is due at closing. Uses and sources reconcile at $409,644.48 each. Not a Closing Disclosure.