Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$76,491Cash toward the purchase price.
Closing costs + prepaids$11,900Not just lender fees.
Before credits & paid funds$88,392The complete starting cash picture.
Estimated remaining funds due at closing
$88,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,491.14
Your down payment$76,491.14
Closing costs + prepaids$11,900.44
Total buyer cash needed$88,391.57
Remaining funds due$88,391.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$948.00
Initial HOA (3 months)$84.99
Prepaid interest, first (2 days)$142.45
Fees + prepaids$11,900.44
Your down payment is the seller’s equity. You take over the $373,509 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $88,391.57 is due at closing. Uses and sources reconcile at $461,900.44 each. Not a Closing Disclosure.