Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$72,335Cash toward the purchase price.
Closing costs + prepaids$12,413Not just lender fees.
Before credits & paid funds$84,748The complete starting cash picture.
Estimated remaining funds due at closing
$84,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,335.43
Your down payment$72,335.43
Closing costs + prepaids$12,412.97
Total buyer cash needed$84,748.40
Remaining funds due$84,748.40
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)$1,637.00
Initial HOA (3 months)$336.00
Prepaid interest, first (1 days)$64.97
Fees + prepaids$12,412.97
Your down payment is the seller’s equity. You take over the $342,665 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $84,748.40 is due at closing. Uses and sources reconcile at $427,412.97 each. Not a Closing Disclosure.