Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$77,000Cash toward the purchase price.
Closing costs + prepaids$11,430Not just lender fees.
Before credits & paid funds$88,430The complete starting cash picture.
Estimated remaining funds due at closing
$88,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,000.11
Your down payment$77,000.11
Closing costs + prepaids$11,429.55
Total buyer cash needed$88,429.66
Remaining funds due$88,429.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$282.75
Prepaid interest, first (1 days)$72.80
Fees + prepaids$11,429.55
Your down payment is the seller’s equity. You take over the $382,900 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $88,429.66 is due at closing. Uses and sources reconcile at $471,329.55 each. Not a Closing Disclosure.