Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$59,684Cash toward the purchase price.
Closing costs + prepaids$11,111Not just lender fees.
Before credits & paid funds$70,795The complete starting cash picture.
Estimated remaining funds due at closing
$70,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,683.88
Your down payment$59,683.88
Closing costs + prepaids$11,110.91
Total buyer cash needed$70,794.79
Remaining funds due$70,794.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,100.00
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)$658.75
Initial HOA (3 months)$2,112.00
Prepaid interest, first (1 days)$15.16
Fees + prepaids$11,110.91
Your down payment is the seller’s equity. You take over the $150,316 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $70,794.79 is due at closing. Uses and sources reconcile at $221,110.91 each. Not a Closing Disclosure.