Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$78,062Cash toward the purchase price.
Closing costs + prepaids$10,859Not just lender fees.
Before credits & paid funds$88,921The complete starting cash picture.
Estimated remaining funds due at closing
$88,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,062.21
Your down payment$78,062.21
Closing costs + prepaids$10,859.27
Total buyer cash needed$88,921.48
Remaining funds due$88,921.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,050.00
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)$1,276.50
Initial HOA (3 months)$288.00
Prepaid interest, first (1 days)$19.77
Fees + prepaids$10,859.27
Your down payment is the seller’s equity. You take over the $226,938 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $88,921.48 is due at closing. Uses and sources reconcile at $315,859.27 each. Not a Closing Disclosure.