Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$81,289Cash toward the purchase price.
Closing costs + prepaids$10,802Not just lender fees.
Before credits & paid funds$92,091The complete starting cash picture.
Estimated remaining funds due at closing
$92,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,289.48
Your down payment$81,289.48
Closing costs + prepaids$10,801.76
Total buyer cash needed$92,091.24
Remaining funds due$92,091.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$358.00
Initial HOA (3 months)$162.00
Prepaid interest, first (1 days)$56.76
Fees + prepaids$10,801.76
Your down payment is the seller’s equity. You take over the $318,711 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $92,091.24 is due at closing. Uses and sources reconcile at $410,801.76 each. Not a Closing Disclosure.