Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$68,063Cash toward the purchase price.
Closing costs + prepaids$12,709Not just lender fees.
Before credits & paid funds$80,771The complete starting cash picture.
Estimated remaining funds due at closing
$80,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,062.74
Your down payment$68,062.74
Closing costs + prepaids$12,708.51
Total buyer cash needed$80,771.26
Remaining funds due$80,771.26
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)$563.50
Initial HOA (3 months)$324.00
Prepaid interest, first (27 days)$1,596.02
Fees + prepaids$12,708.51
Your down payment is the seller’s equity. You take over the $331,936 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $80,771.26 is due at closing. Uses and sources reconcile at $412,707.51 each. Not a Closing Disclosure.