Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$74,752Cash toward the purchase price.
Closing costs + prepaids$11,444Not just lender fees.
Before credits & paid funds$86,196The complete starting cash picture.
Estimated remaining funds due at closing
$86,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,752.11
Your down payment$74,752.11
Closing costs + prepaids$11,443.84
Total buyer cash needed$86,195.95
Remaining funds due$86,195.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.90
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)$394.50
Initial HOA (3 months)$279.00
Prepaid interest, first (1 days)$45.44
Fees + prepaids$11,443.84
Your down payment is the seller’s equity. You take over the $375,238 balance, so the rest of the $449,990 price is paid at closing. A second mortgage can cover part of it. $86,195.95 is due at closing. Uses and sources reconcile at $461,433.84 each. Not a Closing Disclosure.