Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$79,551Cash toward the purchase price.
Closing costs + prepaids$14,962Not just lender fees.
Before credits & paid funds$94,513The complete starting cash picture.
Estimated remaining funds due at closing
$94,513No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,550.77
Your down payment$79,550.77
Closing costs + prepaids$14,961.84
Total buyer cash needed$94,512.61
Remaining funds due$94,512.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,970.00
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)$1,310.00
Initial HOA (3 months)$1,740.00
Prepaid interest, first (30 days)$1,716.84
Fees + prepaids$14,961.84
Your down payment is the seller’s equity. You take over the $317,449 balance, so the rest of the $397,000 price is paid at closing. A second mortgage can cover part of it. $94,512.61 is due at closing. Uses and sources reconcile at $411,961.84 each. Not a Closing Disclosure.