Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$70,381Cash toward the purchase price.
Closing costs + prepaids$11,795Not just lender fees.
Before credits & paid funds$82,176The complete starting cash picture.
Estimated remaining funds due at closing
$82,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,380.78
Your down payment$70,380.78
Closing costs + prepaids$11,794.86
Total buyer cash needed$82,175.64
Remaining funds due$82,175.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$1,769.50
Initial HOA (3 months)$393.00
Prepaid interest, first (2 days)$108.36
Fees + prepaids$11,794.86
Your down payment is the seller’s equity. You take over the $259,519 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $82,175.64 is due at closing. Uses and sources reconcile at $341,694.86 each. Not a Closing Disclosure.