Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$68,119Cash toward the purchase price.
Closing costs + prepaids$11,559Not just lender fees.
Before credits & paid funds$79,678The complete starting cash picture.
Estimated remaining funds due at closing
$79,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,118.86
Your down payment$68,118.86
Closing costs + prepaids$11,559.27
Total buyer cash needed$79,678.13
Remaining funds due$79,678.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.99
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)$480.00
Initial HOA (3 months)$324.00
Prepaid interest, first (9 days)$530.28
Fees + prepaids$11,559.27
Your down payment is the seller’s equity. You take over the $331,880 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $79,678.13 is due at closing. Uses and sources reconcile at $411,558.27 each. Not a Closing Disclosure.