Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$68,046Cash toward the purchase price.
Closing costs + prepaids$10,694Not just lender fees.
Before credits & paid funds$78,740The complete starting cash picture.
Estimated remaining funds due at closing
$78,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,045.56
Your down payment$68,045.56
Closing costs + prepaids$10,693.97
Total buyer cash needed$78,739.53
Remaining funds due$78,739.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,249.99
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)$850.25
Initial HOA (3 months)$1,356.00
Prepaid interest, first (1 days)$12.73
Fees + prepaids$10,693.97
Your down payment is the seller’s equity. You take over the $156,953 balance, so the rest of the $224,999 price is paid at closing. A second mortgage can cover part of it. $78,739.53 is due at closing. Uses and sources reconcile at $235,692.97 each. Not a Closing Disclosure.