Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$87,420Cash toward the purchase price.
Closing costs + prepaids$12,089Not just lender fees.
Before credits & paid funds$99,508The complete starting cash picture.
Estimated remaining funds due at closing
$99,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,419.70
Your down payment$87,419.70
Closing costs + prepaids$12,088.76
Total buyer cash needed$99,508.46
Remaining funds due$99,508.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,149.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$426.75
Prepaid interest, first (1 days)$37.02
Fees + prepaids$12,088.76
Your down payment is the seller’s equity. You take over the $427,579 balance, so the rest of the $514,999 price is paid at closing. A second mortgage can cover part of it. $99,508.46 is due at closing. Uses and sources reconcile at $527,087.76 each. Not a Closing Disclosure.