Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$69,244Cash toward the purchase price.
Closing costs + prepaids$10,735Not just lender fees.
Before credits & paid funds$79,979The complete starting cash picture.
Estimated remaining funds due at closing
$79,979No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,243.82
Your down payment$69,243.82
Closing costs + prepaids$10,735.43
Total buyer cash needed$79,979.25
Remaining funds due$79,979.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$259.25
Initial HOA (3 months)$225.00
Prepaid interest, first (1 days)$27.18
Fees + prepaids$10,735.43
Your down payment is the seller’s equity. You take over the $330,656 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $79,979.25 is due at closing. Uses and sources reconcile at $410,635.43 each. Not a Closing Disclosure.