Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$73,039Cash toward the purchase price.
Closing costs + prepaids$11,257Not just lender fees.
Before credits & paid funds$84,296The complete starting cash picture.
Estimated remaining funds due at closing
$84,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,039.20
Your down payment$73,039.20
Closing costs + prepaids$11,257.17
Total buyer cash needed$84,296.38
Remaining funds due$84,296.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,385.00
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)$426.00
Initial HOA (3 months)$84.00
Prepaid interest, first (2 days)$137.17
Fees + prepaids$11,257.17
Your down payment is the seller’s equity. You take over the $365,461 balance, so the rest of the $438,500 price is paid at closing. A second mortgage can cover part of it. $84,296.38 is due at closing. Uses and sources reconcile at $449,757.17 each. Not a Closing Disclosure.