Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$58,157Cash toward the purchase price.
Closing costs + prepaids$11,771Not just lender fees.
Before credits & paid funds$69,928The complete starting cash picture.
Estimated remaining funds due at closing
$69,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,156.99
Your down payment$58,156.99
Closing costs + prepaids$11,770.59
Total buyer cash needed$69,927.58
Remaining funds due$69,927.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,657.78
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$122.25
Initial HOA (3 months)$471.00
Prepaid interest, first (1 days)$44.56
Fees + prepaids$11,770.59
Your down payment is the seller’s equity. You take over the $407,621 balance, so the rest of the $465,778 price is paid at closing. A second mortgage can cover part of it. $69,927.58 is due at closing. Uses and sources reconcile at $477,548.59 each. Not a Closing Disclosure.