Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$68,860Cash toward the purchase price.
Closing costs + prepaids$12,733Not just lender fees.
Before credits & paid funds$81,593The complete starting cash picture.
Estimated remaining funds due at closing
$81,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,859.53
Your down payment$68,859.53
Closing costs + prepaids$12,733.40
Total buyer cash needed$81,592.93
Remaining funds due$81,592.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,650.00
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)$519.50
Prepaid interest, first (1 days)$88.90
Fees + prepaids$12,733.40
Your down payment is the seller’s equity. You take over the $496,140 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $81,592.93 is due at closing. Uses and sources reconcile at $577,733.40 each. Not a Closing Disclosure.