Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$75,934Cash toward the purchase price.
Closing costs + prepaids$12,896Not just lender fees.
Before credits & paid funds$88,830The complete starting cash picture.
Estimated remaining funds due at closing
$88,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,934.06
Your down payment$75,934.06
Closing costs + prepaids$12,896.36
Total buyer cash needed$88,830.42
Remaining funds due$88,830.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.99
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)$501.75
Initial HOA (3 months)$330.00
Prepaid interest, first (1 days)$89.62
Fees + prepaids$12,896.36
Your down payment is the seller’s equity. You take over the $474,065 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $88,830.42 is due at closing. Uses and sources reconcile at $562,895.36 each. Not a Closing Disclosure.