Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$55,734Cash toward the purchase price.
Closing costs + prepaids$11,590Not just lender fees.
Before credits & paid funds$67,324The complete starting cash picture.
Estimated remaining funds due at closing
$67,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,733.87
Your down payment$55,733.87
Closing costs + prepaids$11,590.42
Total buyer cash needed$67,324.29
Remaining funds due$67,324.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,225.00
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)$695.00
Initial HOA (3 months)$378.00
Prepaid interest, first (1 days)$67.42
Fees + prepaids$11,590.42
Your down payment is the seller’s equity. You take over the $366,766 balance, so the rest of the $422,500 price is paid at closing. A second mortgage can cover part of it. $67,324.29 is due at closing. Uses and sources reconcile at $434,090.42 each. Not a Closing Disclosure.