Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$60,401Cash toward the purchase price.
Closing costs + prepaids$11,757Not just lender fees.
Before credits & paid funds$72,158The complete starting cash picture.
Estimated remaining funds due at closing
$72,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,400.64
Your down payment$60,400.64
Closing costs + prepaids$11,757.10
Total buyer cash needed$72,157.74
Remaining funds due$72,157.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$852.25
Initial HOA (3 months)$159.99
Prepaid interest, first (1 days)$69.86
Fees + prepaids$11,757.10
Your down payment is the seller’s equity. You take over the $384,599 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $72,157.74 is due at closing. Uses and sources reconcile at $456,757.10 each. Not a Closing Disclosure.