Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$79,467Cash toward the purchase price.
Closing costs + prepaids$11,606Not just lender fees.
Before credits & paid funds$91,072The complete starting cash picture.
Estimated remaining funds due at closing
$91,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,466.53
Your down payment$79,466.53
Closing costs + prepaids$11,605.69
Total buyer cash needed$91,072.22
Remaining funds due$91,072.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$805.25
Initial HOA (3 months)$369.00
Prepaid interest, first (2 days)$56.44
Fees + prepaids$11,605.69
Your down payment is the seller’s equity. You take over the $335,533 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $91,072.22 is due at closing. Uses and sources reconcile at $426,605.69 each. Not a Closing Disclosure.