Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$79,002Cash toward the purchase price.
Closing costs + prepaids$12,360Not just lender fees.
Before credits & paid funds$91,362The complete starting cash picture.
Estimated remaining funds due at closing
$91,362No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,001.87
Your down payment$79,001.87
Closing costs + prepaids$12,360.28
Total buyer cash needed$91,362.15
Remaining funds due$91,362.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$1,405.25
Initial HOA (3 months)$270.00
Prepaid interest, first (1 days)$70.03
Fees + prepaids$12,360.28
Your down payment is the seller’s equity. You take over the $359,998 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $91,362.15 is due at closing. Uses and sources reconcile at $451,360.28 each. Not a Closing Disclosure.