Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$74,467Cash toward the purchase price.
Closing costs + prepaids$10,881Not just lender fees.
Before credits & paid funds$85,347The complete starting cash picture.
Estimated remaining funds due at closing
$85,347No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,466.53
Your down payment$74,466.53
Closing costs + prepaids$10,880.97
Total buyer cash needed$85,347.50
Remaining funds due$85,347.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$347.75
Initial HOA (3 months)$180.00
Prepaid interest, first (1 days)$28.22
Fees + prepaids$10,880.97
Your down payment is the seller’s equity. You take over the $335,533 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $85,347.50 is due at closing. Uses and sources reconcile at $420,880.97 each. Not a Closing Disclosure.