Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$72,910Cash toward the purchase price.
Closing costs + prepaids$11,546Not just lender fees.
Before credits & paid funds$84,456The complete starting cash picture.
Estimated remaining funds due at closing
$84,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,910.33
Your down payment$72,910.33
Closing costs + prepaids$11,545.52
Total buyer cash needed$84,455.86
Remaining funds due$84,455.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,694.90
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)$50.00
Initial HOA (3 months)$255.00
Prepaid interest, first (1 days)$70.62
Fees + prepaids$11,545.52
Your down payment is the seller’s equity. You take over the $396,580 balance, so the rest of the $469,490 price is paid at closing. A second mortgage can cover part of it. $84,455.86 is due at closing. Uses and sources reconcile at $481,035.52 each. Not a Closing Disclosure.