Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$67,760Cash toward the purchase price.
Closing costs + prepaids$11,896Not just lender fees.
Before credits & paid funds$79,656The complete starting cash picture.
Estimated remaining funds due at closing
$79,656No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,759.97
Your down payment$67,759.97
Closing costs + prepaids$11,896.30
Total buyer cash needed$79,656.26
Remaining funds due$79,656.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$1,154.25
Initial HOA (3 months)$399.99
Prepaid interest, first (2 days)$117.06
Fees + prepaids$11,896.30
Your down payment is the seller’s equity. You take over the $332,240 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $79,656.26 is due at closing. Uses and sources reconcile at $411,896.30 each. Not a Closing Disclosure.